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When involved in a car accident due to another's negligence, the injured party typically has a claim for bodily injury and property damage to cover medical expenses. This process can take months or years, often requiring medical treatment. Many injured drivers utilize health insurance to cover these costs, but they may not be aware that their health insurance provider, such as Medical Mutual or United Healthcare, will seek reimbursement for the medical bills paid from any settlement or judgment they receive from the at-fault driver. This reimbursement right is known as subrogation, allowing the health insurance company to recuperate its expenses once the injured party receives compensation.