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When involved in a car accident due to someone else's negligence, the injured party typically has a claim for bodily injury and property damage, seeking compensation for medical expenses. This process can be lengthy, with ongoing medical treatment. Many are unaware that health insurance companies, like Medical Mutual or United Healthcare, may seek reimbursement through subrogation. This means that if the injured driver receives a settlement or judgment award from the responsible driver, the health insurance provider has the right to recoup the medical costs it covered. Subrogation is a crucial aspect of the claims process that patients should understand.