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YORK v. SEVIER COUNTY AMBULANCE AUTHORITY

8 S.W.3d 616 (1999)

Paula YORK and Brian York, Appellants, v. SEVIER COUNTY AMBULANCE AUTHORITY, et al., and Blue Cross and Blue Shield of Tennessee, Appellee.

Supreme Court of Tennessee, at Knoxville.

November 22, 1999.

Attorney(s) appearing for the Case

Richard T. Wallace, Wallace & Jones, Sevierville, Stephen J. Cox, Reischling & Ault Knoxville, for Appellants.

Daniel M. Gass, O'Neil, Parker & Williamson, Knoxville, for Appellee, Blue Cross and Blue Shield of Tennessee.

Jimmy W. Bilbo, Logan, Thompson, Miller, Bilbo, Thompson & Fisher, P.C., Cleveland, for Amicus Curiae, Tennessee Trial Lawyers Association.

O P I N I O N

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...

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