My question involves insurance law for the state of North Carolina.
In Feb. 2010, I slipped on the ice at my former mother-in-law's house. I herniated two discs and sprained my neck. My mother-in-law had a small accident clause in her homeowner's insurance for an amount up to $5000. I turned this in on my health insurance, but since I am a teacher with inadequate state health insurance, I had some out of pocket expenses I couldn't pay. Her insurance company took care of this and issued me a subrogation check that was made out to me and to the insurance company.
This is where it gets weird...my health insurance company didn't want it! They told me that they only took subrogation checks for auto insurance, not homeowners. The representative on the phone told me to "keep it." As a young teacher, a check for $2500 would come in VERY handy. My question is...can I legally keep and cash it? Or does the homeowner's insurance company get it back?

