Settlements or judgments in personal injury claims may be subject to various liens or claims by third parties such as hospitals, governmental agencies or entities that have paid for medical expenses or services on behalf of the injured party. Insurers paying benefits to insureds as a result of injuries caused by third persons often claim an interest in recovering those costs if the insured obtains a settlement or collects upon a judgment against a third party. A medical lien is a claim that requires you to pay for your treatment when you settle your claim. This can be created by statute, by policy or even by something you do. Insurers frequently attempt to draft policy provisions or establish requirements that allow them to seek reimbursement from the insured in such situations.