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Should I use my health insurance if I have been in a wreck?

Yes. In Virginia, not all health insurance plans are entitled to subrogation. This means that not all insurance plans get paid back if you recover from a third party. It is always best to use your health insurance when you can so your bills do not end up in collections. At the time of settlement your attorney will be able to recover your medical bills from the defendant's insurance carrier. The last thing you want is to have medical bills piling up as a result of an accident that was not your fault. So the short answer is yes, if you have health insurance, use it.