{"id":3188,"date":"2011-07-29T08:00:07","date_gmt":"2011-07-29T15:00:07","guid":{"rendered":"https:\/\/pdxinjurylaw.com\/?p=3188"},"modified":"2011-07-29T08:00:07","modified_gmt":"2011-07-29T15:00:07","slug":"subrogation-injury-claim-settlement","status":"publish","type":"post","link":"https:\/\/pdxinjurylaw.com\/es\/subrogation-injury-claim-settlement\/","title":{"rendered":"Subrogaci\u00f3n tras un acuerdo en una demanda por lesiones en Oreg\u00f3n"},"content":{"rendered":"

“Subrogaci\u00f3n<\/strong>.”<\/a> Wikipedia tiene una definici\u00f3n completa: \"circunstancias en las que una compa\u00f1\u00eda de seguros intenta recuperar los gastos de una reclamaci\u00f3n que pag\u00f3 cuando otra parte deber\u00eda haber sido responsable de pagar al menos una parte de esa reclamaci\u00f3n\".<\/p>\n

Esta es mi definici\u00f3n: cuando su aseguradora de salud (o aseguradora de autom\u00f3viles, o Medicare, u otra aseguradora) le roba su dinero.<\/p>\n

Supongamos que un mal conductor te da por detr\u00e1s, te destroza el coche, te rompe una pierna y te provoca un latigazo cervical. Tu seguro de enfermedad paga 150.000 PTT de facturas m\u00e9dicas. Entonces usted llega a un acuerdo por 1.120.000 PTT. Tu abogado se queda con un tercio, lo que te deja a ti con $80.000. Entonces tu seguro de enfermedad recurre a la subrogaci\u00f3n para recuperar los $50.000 que pag\u00f3 por tus facturas m\u00e9dicas. Ahora te quedan $30.000.<\/p>\n

Has pagado las primas de tu seguro m\u00e9dico durante a\u00f1os. \u00bfQu\u00e9 le han dado a cambio? B\u00e1sicamente, un pr\u00e9stamo. Tu seguro m\u00e9dico pag\u00f3 tus facturas m\u00e9dicas y luego t\u00fa las devolviste.<\/p>\n

En realidad est\u00e1s peor que si no tuvieras seguro m\u00e9dico. Si no tuvieras seguro m\u00e9dico, igual habr\u00edas cobrado los $120.000, habr\u00edas pagado a tu abogado, habr\u00edas pagado tus facturas m\u00e9dicas y habr\u00edas acabado con los mismos $30.000. Pero al menos no habr\u00edas tenido que pagar las primas del seguro m\u00e9dico durante todo ese tiempo. Pero al menos no habr\u00edas tenido que pagar las primas del seguro de enfermedad durante todo ese tiempo. No recibiste nada a cambio de esas primas.<\/p>\n

En el Estado de Washington y en California, si el acuerdo no le \"compensa\", no tiene que pagar a la aseguradora. No hay subrogaci\u00f3n<\/a> hasta despu\u00e9s de que la v\u00edctima de un accidente haya sido totalmente indemnizada. Oreg\u00f3n no tiene esa norma. En Oreg\u00f3n, la aseguradora de salud puede cobrarte las primas todos los meses durante d\u00e9cadas, y luego tomar todos <\/strong>tu dinero de un acuerdo. Tienen derecho a dejarte sin un c\u00e9ntimo si eso es lo que les permiten sus \"derechos\" de subrogaci\u00f3n.<\/p>\n

No lo permiten ni en Washington ni en California. Enriquece a las compa\u00f1\u00edas de seguros quit\u00e1ndoles dinero a las v\u00edctimas de lesiones que lo necesitan desesperadamente.<\/p>\n

Es vergonzoso. Es una estafa. Es injusto.<\/p>\n

Pero en Oreg\u00f3n, es la ley.<\/p>","protected":false},"excerpt":{"rendered":"

\"Subrogaci\u00f3n\". Wikipedia tiene una definici\u00f3n completa: \"circunstancias en las que una compa\u00f1\u00eda de seguros intenta recuperar los gastos de una reclamaci\u00f3n que pag\u00f3 cuando otra parte deber\u00eda haber sido responsable de pagar al menos una parte de esa reclamaci\u00f3n\". He aqu\u00ed mi definici\u00f3n: cuando su aseguradora de salud (o de autom\u00f3vil, o Medicare, u otra aseguradora) le roba... leer m\u00e1s<\/a><\/p>","protected":false},"author":7,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_content_optimizer_report_url":"","_content_optimizer_report_added":"","_content_optimizer_keyword_hide_used":false,"_content_optimizer_keyword_hide_above_average":false,"_content_optimizer_entities_hide_used":false,"_content_optimizer_entities_hide_above_average":false,"_content_optimizer_headings_hide_used":false,"_content_optimizer_questions_hide_used":false,"_content_optimizer_tab_active":"","_content_optimizer_report_url_ce":"","_content_optimizer_report_added_ce":"","_content_optimizer_keyword_hide_used_ce":false,"_content_optimizer_keyword_hide_above_average_ce":false,"_content_optimizer_entities_hide_used_ce":false,"_content_optimizer_entities_hide_above_average_ce":false,"_content_optimizer_headings_hide_used_ce":false,"_content_optimizer_questions_hide_used_ce":false,"_content_optimizer_tab_active_ce":""},"categories":[42,4,122],"tags":[65,207],"class_list":["post-3188","post","type-post","status-publish","format-standard","hentry","category-insurance-adjuster","category-personal-injury","category-personal-injury-process","tag-insurance","tag-settlement"],"yoast_head":"\nSubrogation 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