I was in an auto accident earlier in the year and I used the Med Pay coverage from my insurer to handle my medical bills. All my bills have been paid; however, now the insurance company of the at fault driver has made a settlement offer. I have not signed their settlement as the document states that I "do not have the right of subrogation" after signing the document. When I inquried about this, they said that my insurance company cannot come after me for any of the settlement amount to recover what they paid via Med Pay due to a law in Colorado that states as of January 1, 2009, insurers cannot subrogate Med Pay payments. I have had the Med Pay on my policy well before the 2009 law, so can my insurer still ask me to pay them back for my medical bills? Thank you for your response.
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