North Carolina prohibits subrogation. Our anti-subrogation laws mean that insurance providers cannot touch your personal settlement or award after an accident.North Carolina prohibits private health insurers from including clauses related to subrogation. A waiver of subrogation is a provision that prohibits an insurer from pursuing a third party to recover damages for covered losses. An insurance company may not subrogate against its own insured or a co-insured. The United States and the State of North Carolina shall be entitled to shares in each net recovery under this section. A waiver of subrogation is an agreement where you waive the right for your insurance company to seek compensation from a negligent third party for their losses. By law, Blue Cross NC must alert you to the adjustment and shift in liability. Life or accident and health insurance forms shall not contain a provision allowing subrogation of benefits. This will not restrict your insurance.
