The most important thing to remember about Healthcare Recoveries/Trover Solutions is that you simply don't have to answer their letters. Simply throw them away. They will likely send you a series of letters insisting that you call, and implying that you have an obligation to do so. Some of their letters may even go further and "hint" of dire consequences if you don't cooperate. Again, simply throw them away and do not call. At some point they may even CALL YOU, and if this should happen, simply hang up. The less you tell them, the better. HRI generally does not have access to your medical records, so therefore, they will have a hard time determining what treatment [you've received] is actually related to the current accident claim. Keep in mind that even if you don't agree to cooperate, they can, and will (if they choose to) find out if you have a claim (there is a nationwide index that tracks all claims, but it is expensive and Healthcare Recoveries doesn't like to spend the money... usually) and will try to interject themselves into your claim by placing a "lien" on your recovery. A lot of injury attorneys will try to resist this, and you should tell the insurance carrier (that you've filed a claim against) that any cooperation with Healthcare Recoveries is a "deal breaker". Most adjusters will resist HRI's efforts too.