There is one little catch to be aware of. As others have said, our insurance company can require you to sign a subrogation agreement under the threat of not covering your bills if you do not. They do this in case there is a lawsuit over your injuries. Now here's the catch. If there is a lawsuit and you win damages, you have to reimburse them for 100% of whatever they paid for your care. This comes out of your NET proceeds, meaning whatever is left over after you pay your lawyer and other expenses. They do NOT share any of the costs of your lawsuit. You have to repay them 100%, even though your lawyer will have taken a third or even half of your settlement before you even get a cent.