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This practice is called subrogation, and the right to subrogation is important for insurers.

But he and other practitioners of health care subrogation say it reduces health insurance costs, allowing lower premiums for all employees.

Ms. Worters said your insurer may incur costs, even if you are not at fault, as a result of “subrogation,” or the process of seeking payment from the other driver’s insurer.

But the case also has a significant impact on consumers, who are often fighting an uphill battle in these “subrogation and reimbursement” cases.

It is plausible, he said, that Connell’s health insurance provider, if she has one, might have mandated her to sue to recoup their own costs – a process known as “subrogation”.