Can you explain medical subrogation for pain and suffering?

Answer by  Dean (4035)

Subrogation is when the insurance company, having paid a claim, seeks reimbursement from the responsible party/insurer. Pain/suffering is a separate matter that is addressed in an out-of-court settlement.

Answer by  epglaw (553)

Medical subrogation is when you assign the right to receive payment of money as a result of an accident to a third party, such as a doctor or hospital for unpaid medical expenses or to a creditor to pay a debt owed by you.

Answer by  Christian9247 (5042)

Pain and suffering is something people can sue for restitution due to an accident and what they experience. Such as pain or even anguish both physical and mental.

Answer by  jeroboam (185)

Because your insurer is not at fault for your having been injured, your insurer has a right in most cases to seek reimbursement for its payments out of funds you have received or may receive, either because of a judgment or a settlement, from the person who injured you.

Answer by  jeroboam (185)

If someone has paid you for medical bills you incurred or for your pain and suffering stemming from an incident caused solely by third parties who may be held liable to you in a lawsuit, the payor may step into your shoes and claim part or all of any moneys you recover from those parties via lawsuits or pretrial settlements.

Answer by  Amy93 (17)

When someone subrogates a medical claim, they're substituting themselves in place of the person that did the wrong. When a person was wronged by another party, but restitution can't be made, the insurance for said person making the claim substitutes themselves, & intervenes. That insurance company then acts as a creditor on said person's behalf.

Answer by  jeroboam (185)

When a person is injured by another, insurers or government programs frequently have an independent legal duty to pay for medical treatment, but they are not really "at fault." If the culprit pays the injured person, those "innocent" payers may be entitled to reimbursement for their payments. That's subrogation.

Answer by  cmass (26)

No i can't. I'm having trouble understanding as well. I wish you luck. Perhaps you can elobarate. Give me some more details.