Ask the Attorney: Medical reimbursement

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Ask the Atty,
I Broke my leg in an accident and just got a letter from my health insurance
stating they wanna get reimbursed if I get a settlement from the guy who hit me.
It doesn’t seem fair since me and my employer pay the premiums.
Do I have to reimburse them? How much? What can they do to me if I don’t?
The guy that hit me only has a $50,000 policy. I might be left with nothing!

Juan P