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Canadian automobile insurance is regulated by individual provinces and not federally consequently not all insurance schemes are identical. In Ontario provincial licensed automobile insurers pay a portion of their collected premiums to the Ontario Ministry of Finance in the form of a Cost Assessment (the amount paid is reflective of each insurer's market share). The current assessment is $142,800,000 and is intended to off set the health care costs associated with motor vehicle accidents. As a result of this payment the Ministry of Health can not subrogate for health costs related to a motor vehicle accident when the At Fault party holds an Ontario issued automobile insurance policy. Subrogation rights still exist for non protected defendants with some exceptions. I believe Alberta has legislation similar to that of Ontario.

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Q: Canadian auto and health subrogation
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Do you have to pay back health providor after auto settlement?

It depends. Check with your health insurer and ask whether or not their is a subrogation clause in your policy. If there is, then your health insurer will likely want "pay back" of any monies they have paid out on your behalf that are related to the auto accident. If there is no such clause then any settlement money is likely yours for the taking/keeping. In case you aren't familiar with the term subrogation, most companies refer to subrogation as the process in which expenses are recouped for a claim paid on behalf of the insured when another party should have been responsible for paying some, or all, of that claim.


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