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When involved in a car accident due to someone else's negligence, the injured party can file a claim for bodily injury and property damage to cover medical expenses. The recovery process can be lengthy, often requiring medical attention over months or years. Many injured individuals use their health insurance to cover medical bills, but may be unaware that health insurance companies, like Medical Mutual or United Healthcare, have a right to reimbursement from any settlement or judgment the injured party receives. This right is known as subrogation, which allows health insurance providers to recover costs for medical expenses they have paid when there is a settlement from the responsible driver.