does ontario health insurance have a right of subrogation or reimbursement against my settlement for a car accident in the united states?

If you are a Canadian involved in a car accident here in Florida, it is important to know that the Ontario Health Insurance Plan (OHIP) can have a right of subrogation in cases like yours.

OHIP is Ontario's public health insurance system, and if you're an Ontario resident, it typically covers your medical expenses, even if the accident occurred outside of Canada. What this means is that if OHIP has paid for your medical treatment related to the car accident, they may have the right to seek reimbursement for those expenses from any compensation you receive in the United States.

For example, if you receive a settlement from the at-fault driver's insurance company, OHIP may assert a claim to recover the amount they've paid for your medical care. This is known as a subrogation claim.

Keep in mind that the rules and regulations surrounding subrogation can be quite complex, and the process can vary based on the specific circumstances of your case. It's crucial to work with an experienced attorney who is well-versed in personal injury law and familiar with the cross-border implications of these situations. Your attorney can help you navigate the subrogation process and work to maximize the compensation you ultimately receive.

In addition, if you have travel insurance that pays for medical expenses in the United States, this insurance policy will also have a right of reimbursement from your settlement.  

Andrew Iacobelli is an experienced personal injury lawyer who established Iacobelli Law Firm with offices located in Ontario, Canada and Florida, U.S.A. Andrew restricts his practice to the representation of personal injury victims in claims involving serious injuries and wrongful death in Canada and the United States.  Andrew is the author of "Are You a Canadian Injured in the United States? Claim the Damages and Insurance Coverage the Right Way". ​