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Ask the Attorney: Medical bills post-accident

Ask the Atty,
I broke my arm in an Auto accident and it required surgery to fix.
My health insurance company sent me a letter saying that they want to be reimbursed
if I get a settlement from the other driver.
Do I have to pay them back and, if so, what can they do to me if I don’t?
I did pay the premiums for all these years!!

Jack T