If you recently received a letter from a company called EXL Health asking about how you were injured or if you're pursuing a claim, you are not alone — and you are right to have questions.

Subrogation letters like this often come out of the blue, and for many people, they can cause stress, confusion, or even panic. You may be wondering: Is this a scam? Do I have to respond? Will my insurance stop paying?

Here's what you need to know.

What Is a Subrogation Letter?

A subrogation letter is a notice sent by a company (like EXL Health) working on behalf of your health insurance provider — such as United Healthcare — to determine if someone else might be responsible for the injuries or medical condition your insurance paid to treat.

Suppose another person or company caused your injury (for example, in a car accident or a slip and fall). In that case, your health insurer may want to be reimbursed out of any settlement or personal injury claim you file.

Why Did I Receive This Letter?

You likely received this letter because:

• You received medical treatment paid for by your health insurance.

• The treatment was linked to an injury that could involve someone else being at fault.

• Your health insurer is trying to determine whether it can recover some of the money it spent.

EXL Health is investigating whether a third party might be liable for your injuries.

Do I Have to Respond?

Yes, I think you should take this letter seriously and respond. Failing to respond may create complications with your health insurer or could be interpreted as withholding information if you do pursue a personal injury claim.

Your health insurer may sometimes seek reimbursement, mainly if a third party is found liable and you recover compensation. You could also face legal consequences if you ignore a valid reimbursement request after receiving a settlement.

It's not a scam, but it's not something to ignore. If you're unsure how to respond or whether this affects your situation, it's wise to speak with a personal injury attorney.

What If I Don't Know If Someone Else Is Liable?

This is very common. Many people who receive these letters haven't considered whether they might have a personal injury claim. That's where an attorney can help.

You might have a valid personal injury claim even if you didn't think you did. If someone else's negligence caused your injury, you may be entitled to compensation — and you shouldn't ignore that possibility.

What Should I Do Next?

• Review the letter and see what information is being requested.

• If you're unsure how to respond or whether someone else may be responsible for your injury, consider speaking with a personal injury attorney.

• Attorney Dillon Hobbs can help you understand your rights, evaluate whether you have a viable personal injury claim, and explain how subrogation may affect any potential settlement.

FAQs About Subrogation Letters from EXL Health

Q: Is this letter a scam?
A: No. EXL Health is a legitimate company working on behalf of health insurers, including UnitedHealthcare in some cases. If the letter really is from EXL Health, it is not a scam. 

Q: Will I have to pay money back?
A: Only if you recover money from a third party in a personal injury claim. You likely don't owe anything if you don't pursue a claim, or no one else is responsible.

Q: Can I ignore the letter?
A: It is not recommended. Ignoring the letter could lead to complications with your insurer and may jeopardize your ability to manage the subrogation claim if you later pursue compensation.

Q: Do I have a personal injury claim?
A: You might. Many people don't realize they have a claim until they speak with an attorney.

Need Help Understanding a Subrogation Letter?

If you've been told there's no insurance coverage after a crash, don't assume that's the final word. You may still have options — and finding out where you stand costs nothing.

Call Hobbs Law, LLC today at (205) 683-2892 or contact Hobbs Law online to schedule a consultation. Attorney Dillon Hobbs can review your situation, help you understand your rights, and let you know if it's a case he may be able to help with.