Q: Will my insurance company want reimbursement for a fall where a business was at fault?
Had a fall at a grocery store in early January. Nothing very traumatic, but there was a trip to the ER, and a day of paid time off I had to use as the doctor said not to move for a couple of days. The store's insurance company has come forward with an offer that does not quite cover all of my expenses, but I would have to sign a waiver that they have no more liability. I am wondering if since I used my personal insurance at the ER, and for a prescription, will they come back at me for reimbursement for their costs? Or am I not liable for anything they paid out? I need to know before I counter to get all my expenses covered.
A: In most States and under most health insurance companies, there is a right of reimbursements if there are funds recovered by a third party or another insurance company. Your health insurance company may end up pursuing a claim or case for subrogation for the proceeds that you have received. Before you sign anything, consult with an attorney. There are risks in settling a case without contacting the health insurance company and confirming the lien or resolving the lien. Good luck.
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