Your insurance contract gives your insurance company subrogation rights. This basically means you are contractually obligated to pay back or reimburse your auto insurance and/or health insurance company for bills they covered that were related to an accident when you resolve your case. However, there are equitable principles and applications set forth in the following cases that lessen or remove this contractual obligation in certain situations: Thiringer v. American Motors Insurance Co., 91 Wn.2d 215 (1978); Mahler v. Szuc, 135 Wn. 2d 398 (1998); Winters v. State Farm Mutual Automobile Insurance Co., 144 Wn.2d 869 (2001); and Hamm v. State Farm Mutual Automobile Insurance Co., 101 Wash. App. 360 (2000).