Yes, it's mandatory, a part of the Insurance Contract that you signed up for. They don't let you collect twice. If they collect from the person who hurt you, then you would get your deductible and co-pays back. F
You have to defend your self just as if the lawsuit was filed by the original claimant. If you have an insurance carrier, tender the claim to them in writing immediately and your carrier should handle it for you. If you don't have insurance, you should hire a lawyer to defend against the claim. In subrogation, the insurance carrier seeking subrogation has the same rights as their policy holder. They bear the same burden of proof that the alleged victim would have had at trial.
submit the letter to your insurance company asap as they are looking to make you at fault int he incedent. No they are not looking to make you at fault. They are looking to see who should have paid the medical bills. If car accident, which auto insurance. Yes, contact your car insurance to set up a claim. Once the auto policy/policies utilize all their medical coverage then your health insurance will take over. If your auto pays you cash for your medicals, beware you WILL be contacted by a subrogation analyst because that money is not yours. It's to pay for your medical expenses and you will have to pay your health insurance back. It could take months and months before they find out about it...but they will.
If Cigna had paid on charges which rightfully should have been paid by the auto insurance, yes. The subrogation would be performed by Cigna's overpayment recovery vendor, accent. This should not make a difference to the patient, as Cigna will cover once the auto insurance coverage is exhausted.
The Rawlings Company is an organizations that does subrogation and COB (Coordination Of Benefits) recovery of medical insurance claims. Which is to say they recover for health insurance companies, claims that were paid, which should have been paid by another insurer. They receive a percentage of the amount recovered as their fee. They are also an industry powerhouse and literally helped write the subrogation laws on federal and state levels.The manual can be found on their website for a paltry 389.00. They have also developed sophisticated data mining software to help insurance companies prevent over payments on benefits.
Yes, you need to respond. Your claims will not get paid if you don't. You are being sent this letter because of the subrogation or third party liability clause of your policy. They are trying to find out if someone else should be responsible for the bills. Health insurance pays secondary to any auto insurance policy.
If Insurance Broker is a name, as in, the company that I work for is the Midwest Insurance Broker, then yes, you should capitalize it; if it is merely a description, as in, I am going to talk to my insurance broker, then no, do not capitalize it.
Yes, you should! It's called Subrogation demand. Keep in mind, you will encouter a lot resistance on the side of the Ins. co. They'll try to offer you a big Mac and a coke and then send you home. Good luck.
As with anything regarding health insurance, it depends. Generally speaking, in an auto accident the question about medical benefits is secondary to providing the best care for the accident victim. After the emergency has passed is the time for figuring out who pays for the medical expenses. Often health insurance is asked to pay first. However, health insurance companies have a program called "subrogation" that seeks to ensure that the responsible party pays for their share of expenses. In the case of a car accident, typically the auto insurance will be primary and should pay medical expenses first. During the process of subrogation the health insurance provider will contact the auto insurance provider and negotiate who should pay the bills. See http://en.wikipedia.org/wiki/Subrogation for additional information.
you should go to the insurance company or they should have it on their website.
Waivers of subrogation work in the same fashion no matter the line of insurance. A waiver of subrogation is one party agreeing who has had risk transfered to it (usually an insurance company) agreeing to not pursue the legal rights transfered to it when a loss occurs against one or more than one party. For example, Bob the builder is working on a contract for Jill the general contractor. Bob the builder has insurance through Builder's Mutual Insurance Co. Jill asks Bob for a waiver of subrogation from his insurance company before she will let him work on her project. Bob asks Builders Mutual for the waiver, and they grant it. They have agreed that if they pay any claims to Bob or on Bob's behalf, they will not subrogate against Jill. This means that if Bob and Jill are both at fault for a claim, or even if Jill is more at fault, or Jill causes a loss to Bob's property, Builders Mutual has agreed in advance to not pursue any action to recover money from Jill. It is a very broad right to give up, and should be carefully considered before accepting. Mark Walters, ARM AAI West Insurance Group mwalters@westagy.com
This question should be directed to your insurance company. They are the one's that make that determination.This question should be directed to your insurance company. They are the one's that make that determination.
provide them with a police report. Your old insurance company should already know the situation, and they can produce what is called a letter of expierence for you.