York v. Sevier County Ambulance Authority

OPINION

ANDERSON, Chief Justice.

We granted this appeal to decide whether an insured must receive full compensation for losses, i.e., be “made whole,” before an insurer may receive reimbursement for medical expenses paid on behalf of the insured.

The trial court found that the insurer, Blue Cross and Blue Shield of Tennessee (“Blue Cross/Blue Shield”), was not entitled to subrogation rights or reimbursement for medical expenses under its insurance contract because the insured, Brian York, had not received full compensation for his losses under a settlement agreement. The Court of Appeals…