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Accident Victims Are Being Pillaged by Insurers: How to Protect After an Accident. What would you do if you were severely injured in an accident and your heath insurance company insisted it be reimbursed all of the compensation you could possibly receive from the liable party? In a startling change of tactics, health insurers are becoming very aggressive, asserting rights to all the accident insurance money available to injury victims, leaving the injured person without any financial recovery.