How Does "Subrogation" apply to your bike accident case

Most people do not realize that the contract they have with their health insurer includes a clause where the person promises to pay their insurer back for any payments made by the insurer if the person gets money from a third party in an accident. It works like this. A person is riding a bicycle. A texting driver fails to yield and hits the person on the bike. The person on the bike has health insurance. The person on the bike goes to the hospital. The hospital bills $55,000. The health insurance company pays $35,000 because they have side agreements with hospitals where the insurance company promises to send people to a specific hospital and the hospital promises to reduce rates to the insurance company. Eventually the insurance company for the texting driver pays $100,000 to the person who got hurt. The person who got hurt will likely have to pay $35,000 of the $100,000 to their health insurance company leaving them with only $65,000 unless an exception applies or the health insurance company agrees to take less. Accident Attorney Clayton Griessmeyer has been successful in the past in saving clients hundreds or thousands of dollars by getting health insurance companies to agree to either reduce the amount they want to get paid back or agree to $0.00. If faced with an injury accident case involving substantial medical bills it often pays to consult with and hire a lawyer. Injury lawyers often agree to a contingent fee meaning the lawyer only gets paid if you get paid.