Areas We Cover
Before Allen Cox attended law school, he worked as a multi-lines insurance adjuster for the Travelers Insurance Company and then investigated accidents and parts failures for the Ford Motor Company in Dearborn Michigan (Dallas Division). He has particular knowledge of insurance claims handling procedures, games that insurance companies play and various types of insurance policies and the laws that govern them. In addition, he has knowledge regarding motor vehicles, car dealership operations and the numerous defects that may occur in parts and motor vehicles.
Subrogation and Liens Against Your Personal Injury Claim
WARNING, your claim may be subject to subrogation
In today’s legal climate, just about any personal injury claim involves what is called subrogation. Subrogation is a term that basically means "step in the shoes." In other words, if a health-care provider, Medicare, Medicaid, or an insurance company pays a claim or provides a service to you, that person or entity is subrogated to your rights or "steps in your shoes" to pursue your or their claims. They may be entitled to a dollar-for-dollar reimbursement of what they paid on your behalf or for the medical services they provided for you. Subrogation is governed by the contract you have with your insurance company, group insurer, and/or employer and by federal and state law.
Typically, a claims person will write you a letter advising you of their "subrogated interest." The collector will not tell you what the law is and will try to get the full amount claimed. Most subrogation collectors work on a bonus or percentage they recover. Some of these collection type entities are Optum (United Health Care), Trover Solutions, Rawlings, Healthcare Recoveries, and the Phia Group. This is why you need legal consultation. There are numerous laws that may be relevant to your recovery and what the collector is claiming. AC Law will represent injured clients to negotiate the claimed amount on a contingency basis on the reduced amount of the claim depending on the amount of the settlement.
It is the better option to NOT sign any information forms from collectors until you consult an attorney. If you have any questions regarding an insurance or personal injury claim, please feel free to call or email me.