What happens is, let’s say you get injured just at home on your own accord, you fracture your ankle or something. You go and you get medical care through your insurance coverage and they cover that, no questions asked. (Aside from maybe paying a small co-pay, they do not send you a bill for this treatment.)

However, if you get involved in an accident where a third party is responsible for causing your injuries, then your health insurance (if they cover you for medical care) will want to be reimbursed. They want their money back.

I know it doesn’t seem fair, but their theory is this: we paid for medical care that was caused by that third party. Since you are going to go after the third party to get money in your personal injury suit, we want our share back. Basically, what they do is assert a lien on your personal injury case. They will hire a third-party collection agent to contact you (or your personal injury lawyer) notifying you of their right to reimbursement from any settlement or judgment you receive in the case.

You may not think it is fair, but you probably signed a contract when you first signed up for your health insurance that included the language that they had the right to reimbursement if you were involved in a third party personal injury case. Check out this post for more information on this process.

It is not the best, but at least if you have a really qualified personal injury attorney hopefully that attorney can negotiate with your health insurance company to get their lien down as low as possible so they can net you a good settlement in your personal injury case.

At our office, we do our best to help clients negotiate all medical liens and outstanding bills as low as practicable, so as to increase their net recovery in the case. We have been working with these third party recovery agents since the 90’s and know how they operate and how they have been changing the language of their contracts over the years to increase their protections where personal injury cases are concerned. Need help with a personal injury case? Get a quick and free online case evaluation now.

This video and accompanying text is not intended to be a source of legal advice for any purpose. Prior results do not guarantee a similar outcome. The information in this video and text do not constitute a guarantee, warranty or prediction regarding the outcome of your case.

Accident Client

“Last March, my partner was struck by a vehicle while crossing the street. During this difficult time of healing, we knew that bills were going to pile up and his was going to be a long process. After looking at multiple law firms, we knew that Sally Morin Personal Injury Lawyers was going to be the best place to work with. Lauren and her team were patient, supportive and caring during his difficult time. His schedule was always busy with work and doctor appointments that his main source of communication was through email. Lauren and her team made it to where he didn’t have to worry about anything but just sending over the paper work he got from the hospital, and other bill collectors involving his incident and they worried about the rest.

Because of all their help my partner Aaron, was able to heal with less worries on his shoulders. By end of December, everything was settled and we were pleased with the results. I’d like to give a huge thank you to Lauren & the Sally Morin team. If you’re looking for a law firm for your incident, I’d definitely look at this law firm.”

We're here to help with your Personal Injury claim

Check out our Personal Injury FAQ Page to learn more about how the process works.

We Handle Your Personal Injury Accident Claim So You Can Focus on Your Life

After an injury, contact the attorneys at Sally Morin Personal Injury Lawyers. We handle many areas of the law, including pedestrian and car accidents that involve speeding. We believe you should be able to focus on recovering while we handle the legal details.

We truly care about the people of San Jose and all of California. Contact us today for a
free online case evaluation.


It is essential to know your rights after a traffic accident so you can protect yourself and the value of your claim.
This guide will help you:

  • 1Know what to do when dealing with insurance claims, police reports and lawyers.
  • 2Avoid making mistakes that undermine the value of your claim
  • 3Put yourself in a position to get the best settlement possible