An Act to conform private with public subrogation policy

This bill limits health and disability insurers' ability to seek reimbursement from accident victims' settlements. It states that insurers can only claim back the proportion of their paid medical benefits relative to the total injury damages, not the full settlement amount. The bill also creates a court process where either the insurer or the injured person can request a judge to review settlement fairness and allocate payments appropriately. It directly affects individuals who receive medical coverage through insurers and are involved in accident claims. This changes how insurers can recover costs from settlements, aligning private insurance practices with public policy.