Navigating Subrogation After a Minor Accident: Our Experience and Next Steps
In April of this year, my wife and I found ourselves involved in a minor car accident while navigating stop-and-go traffic. The incident occurred when another driver, operating at a very low speed, gently bumped our vehicle. Thankfully, the other party accepted responsibility, promptly providing us with her insurance details.
At the time of the accident, my wife was eight months pregnant. Given the circumstances, her doctor recommended we seek medical attention to ensure everything was progressing well with the pregnancy. Upon our arrival at the hospital, my wife began experiencing early contractions, which necessitated an overnight stay for observation. Thankfully, both my wife and the baby were fine, and our vehicle sustained no damage.
Following the accident, I took the necessary steps to file a claim with the other driver’s insurance company. They acknowledged fault and ultimately issued a settlement of $2,100, which was intended to cover our damages and any lost wages incurred due to the hospital visit. At that point, we believed the matter was resolved and didn’t pursue any further inquiries regarding the payout.
However, four months later, we received an unexpected subrogation letter from my wife’s health insurance provider. They are requesting reimbursement of $2,900 to cover the hospital expenses incurred during our brief stay.
As we navigate this unexpected situation, I am seeking advice on how best to proceed. Anyone with experience in dealing with subrogation claims or similar circumstances, your insights would be greatly appreciated. How should we handle this situation, and what steps can we take to ensure we address the health insurance company’s request appropriately?
Your thoughts and recommendations would be invaluable as we work through this challenge. Thank you!
