When you are injured in a car accident in California and use health insurance to pay medical bills, a common question is whether the health insurer can later seek reimbursement through subrogation. This evergreen explainer clarifies the rules, limits, and practical realities. The short answer is yes, health insurers can subrogate to recover costs they paid for accident-related care, but California law, statutory liens, and public policy protections shape how and how much they can recover. Read on for a verified breakdown of how subrogation works after auto accidents in California.
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