Bring Your Tractor to School Day! But Is It Covered?

Woller v. Scottsdale Ins. Co., No. 2024AP500 (Wis. Ct. App. Sept. 29, 2026) (unpublished). In May 2022, 14-year-old Landen Klockziem’s parents let him drive their International 656 tractor approximately 15 miles to school. In the parking lot, he ran over a fellow student’s foot. That student sued and named Scottsdale Insurance, who had issued a…

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Avoiding HIPAA Headaches: How HIPAA Affects Workers’ Comp Subrogation and Third-Party Recoveries

Understanding When HIPAA Applies One of the most common questions in workers’ compensation subrogation practice is whether HIPAA requires a signed release before medical records can be obtained or shared. The short answer is that HIPAA seldom prevents the exchange of records between medical providers and workers’ compensation carriers for the purpose of administering or…

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Louisiana Flag

Insurance Commissioner Overreached In Applying Made Whole Doctrine To Health Insurance Subrogation

Bayham v. State of Louisiana, Through the Office of Group Benefits, 2019 WL 4073410 (La. App. 2019). In a line from the History Channel’s television series Vikings, Viking chieftain Ragnar Lothbrok looks down at the village of Kattegat with his son and gives some advice regarding power: Power is always dangerous. It attracts the worst and…

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Medical Billing, Insurance Write-Offs, And The Collateral Source Rule

Recovery of Medical Expenses in Personal Injury Actions Generally To recover damages for past medical expenses in a personal injury lawsuit, a plaintiff must present evidence and prove that the medical expenses incurred were both “reasonable” and “necessary.” For more than 100 years, this simple formula was the least complicated aspect of a plaintiff’s personal injury…

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