Dillard, Judge.
Mildred Endsley appeals from the trial court’s denial of her motion for new trial following its entry of judgment on a jury’s verdict in favor of Geotechnical & Environmental Consultants, Inc. (“GEC”) and Patricia Mason in Endsley’s personal-injury suit, in which United Health Group (“UHG”) intervened to seek reimbursement for workers’ compensation benefits that UHG paid to Endsley On appeal, Endsley contends that the trial court erred in (1) denying her request to bifurcate the trial; and (2) after a stipulation was reached between Endsley and UHG as to a monetary amount, instructing the jury that UHG had paid benefits to Endsley and had done so as a result of a wreck, as well as instructing the jury that UHG’s workers’ compensation lien was “evidence about the presence or absence of insurance or benefits.” Endsley contends that, because of the foregoing errors, the trial court should not have entered judgment on the jury’s verdict or should have granted her motion for new trial. For the reasons set forth infra, we affirm.
The undisputed underlying facts show that in 2008, Endsley was involved in a motor-vehicle accident with Mason while both were acting within the scope of their respective jobs. Mason collided with the rear of Endsley’s vehicle, and both Mason and her employer, Geotechnical & Environmental Consultants, Inc., admitted to their negligence and/or vicarious liability. However, what was disputed at trial was the proximate cause of Endsley’s alleged injuries, which Mason and GEC argued were the result of a pre-existing condition at the time of the collision.
Following the accident, Endsley received workers’compensation benefits through UHG. Then, after Endsley filed suit against Mason and GEC in 2010, UHG filed a motion in 2014 to intervene in the action under OCGA § 34-9-11.1. And noting that there was “no objection by any of the parties,” the trial court granted UHG’s motion.
[664]*664Prior to trial in 2015, all three parties engaged in an exchange of e-mails with the trial court, and those communications were later made part of the record on motion by Endsley. These e-mails reflect that UHG wished to participate in the trial and that, upon learning this, counsel for Endsley contacted all parties and the court to express disagreement with the suggestion that UHG should be permitted to participate in the trial, which would inject knowledge of the workers’ compensation lien into the main proceedings. Instead, suggested Endsley, the court should wait until after the main trial to decide what to do with UHG’s lien. However, in an e-mailed response to all parties, the trial court concluded that UHG would be allowed to participate at trial because, in its view, this was the “proper role for an intervenor at trial.” Endsley’s counsel again expressed his disagreement with this decision in an e-mail sent to all parties and the trial court. But thereafter, the trial court issued an order as to the role of UHG as an intervenor, concluding that UHG would “participate during the jury trial as a party” and be permitted to “make an opening statement, examine witnesses, offer evidence, and make closing arguments related to its interest of protecting and enforcing its subrogation lien.”
Prior to beginning jury selection, the trial court told the venire that UHG would be participating as an intervenor and had paid workers’ compensation benefits to Endsley Thus, the trial court explained, UHG had a lien against any recovery and could present evidence to protect and enforce its lien. The court further instructed, however, that the jury’s focus would not be on UHG’s claim and that it would not be concerned with making a decision as to the lien.
Following these comments by the trial court, Endsley objected to UHG’s participation on the record, arguing that the jury should not have been informed of UHG’s payment of benefits and that the court should decide the issue of the lien after the jury’s return of a verdict. But the trial court again ruled that, as an intervenor, UHG had the right to “participate and influence” the jury to protect and enforce its lien, but that the jury would consider the evidence only to determine liability and the amount of damages.
Thereafter, Endsley further objected to any reference as to the amount of workers’ compensation payments received or the amount of the claimed lien because any such reference at trial would “further inject” knowledge of a collateral source. But Endsley then indicated to the court that she did not contest the amount of the lien and was willing to stipulate to same. And during a break that ensued in the proceedings, UHG and Endsley reached an agreement that they would stipulate to the amount of the lien. When the proceedings [665]*665resumed, Endsley acknowledged that she and UHG had “agreed that it’s stipulated and there’s no reason to present any of that to the jury.”
The stipulation having been accepted, the trial court inquired, “[w]ith that stipulation, I don’t think there’s any need for [UHG] to present anything to the jury; is there?” UHG’s counsel responded that she was “just going to explain why I was here, and not any amounts, and ask that [the jury] fully compensate Ms. Endsley’s injuries.” Endsley offered that UHG “certainly has a right to say that.” Counsel for Mason and GEC then asked what he would have a right to say to the jury and asked if he could “explain to the jury what’s going on or not?” The following colloquy then took place between the trial court and counsel for the parties:
THE COURT: I mean, where I am in my thought process is, I don’t know that there is any need for the Intervenor to do anything at trial if there is a stipulation that’s been made between the Intervenor and the Plaintiff.
[UHG]: Your Honor, my thoughts were that the jury should know that someone has asserted a lien on her — on the damages that she may be entitled to.
THE COURT: I can tell [the jury] that, you know, the Defendant — a stipulation has been made that’s going to take care of that aspect of the case, so you’re not going to hear from the Intervenor. And it’s consistent with what I’ve already told them, which is their focus is to be on the Plaintiff — between the Plaintiff and the Defendant.
[ENDSLEY]: That, I think, is correct, Your Honor.
[UHG]: I would like for the jury to know that Ms. Endsley should be fully compensated for her damages and that any damages they award should fully compensate her.
But counsel for Mason and GEC still wanted to know exactly what the defendants could argue at trial about the intervention. The trial court explained that it was “having pause about any kind of statement made from the Intervenor . . . Endsley’s counsel then explained that he thought “we are right where we would have been if [UHG] had not intervened at all. We try this case on the issues. Was this woman hurt? Was it the Defendant’s fault? What are the damages?” Nevertheless, Mason and GEC’s counsel persisted in asking the trial court whether the jury was entitled to know that Endsley “brought a workers’ compensation claim seeking medical expenses and lost wages and that they reached a settlement with [UHG], and [666]*666that now they have reached an agreement between themselves and [UHG] as to the enforceability of that lien.” In response, the trial court concluded that,
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Dillard, Judge.
Mildred Endsley appeals from the trial court’s denial of her motion for new trial following its entry of judgment on a jury’s verdict in favor of Geotechnical & Environmental Consultants, Inc. (“GEC”) and Patricia Mason in Endsley’s personal-injury suit, in which United Health Group (“UHG”) intervened to seek reimbursement for workers’ compensation benefits that UHG paid to Endsley On appeal, Endsley contends that the trial court erred in (1) denying her request to bifurcate the trial; and (2) after a stipulation was reached between Endsley and UHG as to a monetary amount, instructing the jury that UHG had paid benefits to Endsley and had done so as a result of a wreck, as well as instructing the jury that UHG’s workers’ compensation lien was “evidence about the presence or absence of insurance or benefits.” Endsley contends that, because of the foregoing errors, the trial court should not have entered judgment on the jury’s verdict or should have granted her motion for new trial. For the reasons set forth infra, we affirm.
The undisputed underlying facts show that in 2008, Endsley was involved in a motor-vehicle accident with Mason while both were acting within the scope of their respective jobs. Mason collided with the rear of Endsley’s vehicle, and both Mason and her employer, Geotechnical & Environmental Consultants, Inc., admitted to their negligence and/or vicarious liability. However, what was disputed at trial was the proximate cause of Endsley’s alleged injuries, which Mason and GEC argued were the result of a pre-existing condition at the time of the collision.
Following the accident, Endsley received workers’compensation benefits through UHG. Then, after Endsley filed suit against Mason and GEC in 2010, UHG filed a motion in 2014 to intervene in the action under OCGA § 34-9-11.1. And noting that there was “no objection by any of the parties,” the trial court granted UHG’s motion.
[664]*664Prior to trial in 2015, all three parties engaged in an exchange of e-mails with the trial court, and those communications were later made part of the record on motion by Endsley. These e-mails reflect that UHG wished to participate in the trial and that, upon learning this, counsel for Endsley contacted all parties and the court to express disagreement with the suggestion that UHG should be permitted to participate in the trial, which would inject knowledge of the workers’ compensation lien into the main proceedings. Instead, suggested Endsley, the court should wait until after the main trial to decide what to do with UHG’s lien. However, in an e-mailed response to all parties, the trial court concluded that UHG would be allowed to participate at trial because, in its view, this was the “proper role for an intervenor at trial.” Endsley’s counsel again expressed his disagreement with this decision in an e-mail sent to all parties and the trial court. But thereafter, the trial court issued an order as to the role of UHG as an intervenor, concluding that UHG would “participate during the jury trial as a party” and be permitted to “make an opening statement, examine witnesses, offer evidence, and make closing arguments related to its interest of protecting and enforcing its subrogation lien.”
Prior to beginning jury selection, the trial court told the venire that UHG would be participating as an intervenor and had paid workers’ compensation benefits to Endsley Thus, the trial court explained, UHG had a lien against any recovery and could present evidence to protect and enforce its lien. The court further instructed, however, that the jury’s focus would not be on UHG’s claim and that it would not be concerned with making a decision as to the lien.
Following these comments by the trial court, Endsley objected to UHG’s participation on the record, arguing that the jury should not have been informed of UHG’s payment of benefits and that the court should decide the issue of the lien after the jury’s return of a verdict. But the trial court again ruled that, as an intervenor, UHG had the right to “participate and influence” the jury to protect and enforce its lien, but that the jury would consider the evidence only to determine liability and the amount of damages.
Thereafter, Endsley further objected to any reference as to the amount of workers’ compensation payments received or the amount of the claimed lien because any such reference at trial would “further inject” knowledge of a collateral source. But Endsley then indicated to the court that she did not contest the amount of the lien and was willing to stipulate to same. And during a break that ensued in the proceedings, UHG and Endsley reached an agreement that they would stipulate to the amount of the lien. When the proceedings [665]*665resumed, Endsley acknowledged that she and UHG had “agreed that it’s stipulated and there’s no reason to present any of that to the jury.”
The stipulation having been accepted, the trial court inquired, “[w]ith that stipulation, I don’t think there’s any need for [UHG] to present anything to the jury; is there?” UHG’s counsel responded that she was “just going to explain why I was here, and not any amounts, and ask that [the jury] fully compensate Ms. Endsley’s injuries.” Endsley offered that UHG “certainly has a right to say that.” Counsel for Mason and GEC then asked what he would have a right to say to the jury and asked if he could “explain to the jury what’s going on or not?” The following colloquy then took place between the trial court and counsel for the parties:
THE COURT: I mean, where I am in my thought process is, I don’t know that there is any need for the Intervenor to do anything at trial if there is a stipulation that’s been made between the Intervenor and the Plaintiff.
[UHG]: Your Honor, my thoughts were that the jury should know that someone has asserted a lien on her — on the damages that she may be entitled to.
THE COURT: I can tell [the jury] that, you know, the Defendant — a stipulation has been made that’s going to take care of that aspect of the case, so you’re not going to hear from the Intervenor. And it’s consistent with what I’ve already told them, which is their focus is to be on the Plaintiff — between the Plaintiff and the Defendant.
[ENDSLEY]: That, I think, is correct, Your Honor.
[UHG]: I would like for the jury to know that Ms. Endsley should be fully compensated for her damages and that any damages they award should fully compensate her.
But counsel for Mason and GEC still wanted to know exactly what the defendants could argue at trial about the intervention. The trial court explained that it was “having pause about any kind of statement made from the Intervenor . . . Endsley’s counsel then explained that he thought “we are right where we would have been if [UHG] had not intervened at all. We try this case on the issues. Was this woman hurt? Was it the Defendant’s fault? What are the damages?” Nevertheless, Mason and GEC’s counsel persisted in asking the trial court whether the jury was entitled to know that Endsley “brought a workers’ compensation claim seeking medical expenses and lost wages and that they reached a settlement with [UHG], and [666]*666that now they have reached an agreement between themselves and [UHG] as to the enforceability of that lien.” In response, the trial court concluded that,
[i]f we’re at the position that the Intervenor is not going to introduce any evidence, then I’m not going to allow the Intervenor to argue the case, because I do think the issue that is out there, that it has been resolved as far as what the jury needs to know about it.
And that’s what I’m going to do, is tell them that that’s been resolved and it will be dealt with separately and that their issue is to decide between the Plaintiff and the Defendant whether there is liability and how much it is.
And so they will not — I’m not going to tell them how much the lien is.
Still unclear as to how the case would proceed, Mason and GEC’s counsel asked the trial court if the jury would be told that “there was a settlement, there was a worker’s compensation] claim” because the jury “implicitly know[s] that . . . In response, the court further explained that it would instruct the jury
that the issue that existed between — with the Intervenor has been resolved separately from what they’re doing, and so what they’re going to be focused on is the claim that exists between the Plaintiff and the Defendant, which actually I’ve already told them once that. And I was going to tell them that in the charge, too, is that that’s what they’re to be focused on.
And when counsel for Mason and GEC asked the trial court what he would be allowed to say in his opening statement as to UHG’s role, the court responded that Mason and GEC should “view it as though the Intervenor didn’t intervene” and that they were “back to a case that’s between the Plaintiff and the Defendant.”
Thereafter, during preliminary instructions, the trial court charged the jury as follows:
As you know from my earlier comments, the case that we’re dealing with today is a motor vehicle collision case. And Ms. Endsley is contending that she was injured in this motor vehicle collision. The Defendants, Geotechnical and Environmental Consultants, Incorporated, and Ms. Mason, admit that Ms. Mason was at fault in causing the impact, [667]*667and they admit that Ms. Mason was working in the scope of her employment at the time of this collision, but they deny there were injuries resulting from the collision.
Earlier you heard me talk a little bit about United Health Group as an Intervenor in the case. I want to tell you that the issues relating to the Intervenor have been stipulated to between the Plaintiff and the Defendant at this point, and so you’re not going to hear from the Intervenor. Your focus in this case is just going to be between the Plaintiff and the Defendant making the decision as to whether there is liability and whether there is causation in the case for injuries that are alleged and, if so, then what damages should be awarded.
Opening statements followed, in which counsel for Mason and GEC told the jury that Endsley
was on the job at the time, going to a job. And Patty Mason was on the job at the time, which is why Geotechnical is here as a defendant as well, because you’re responsible for your employees while they’re on the job for you. And that’s why the workers’ compensation carrier is involved in this case, because [Endsley] was on the job at the time and had a workers’ comp claim from it.
Endsley did not object.
Thereafter, the parties presented their respective evidence and testimony and, at the conclusion of the trial, the trial court again instructed the jury as follows:
Under Georgia’s workers’ compensation laws, United Health Group paid disability benefits and medical expenses as a result of the November 10th, 2008[ ] collision. The workers’ compensation laws give United Health Group a subrogation lien against the Plaintiff’s recovery in this case and a right to intervene and to protect and enforce such lien.
As an Intervenor, United Health Group is a party to this case. As to the Intervenor, your task however is simply to render a verdict as to the Plaintiff’s claims against the Defendants in accordance with these instructions.
Your verdict will include an itemization of damages that you award, based on your determination of the facts and your application of the law to those facts. Beyond your [668]*668determination of the damages awarded, if any, to the Plaintiff, you do not need to address the Intervenor’s claims.
And a short while later, the trial court further instructed as follows:
Other than notice of the workers’ compensation lien, you have received no evidence about the presence or absence of insurance or benefits of any type, whether liability, health insurance, government benefits, or other employment-related benefits, for either the Plaintiff or the Defendants. You should not speculate as to whether the Plaintiff will or will not have to reimburse anyone else from her recovery, or whether any damages awarded against Defendant will be paid from any independent source.
If any adjustments are necessary, due to the existence of other resources relating to any party, those adjustments will be made after you return a verdict. It is your responsibility to return a verdict based on the evidence produced to you and the law given to you in this charge, to the best of your skill and knowledge. You are only responsible that your verdict speak the truth of the case itself.
The trial court then noted that it would pause its instructions in order to allow the parties to make closing arguments.1
During closing arguments, counsel for Mason and GEC commented:
[Wje’re not allowed to tell you much at all about this worker’s [sic] compensation claim but what the judge has told you. And that’s why [UHG’s counsel] is sitting her[e] ... today, is she represents . . . the workers’ compensation carrier.
And all you know and are allowed to know is that under Georgia’s workers’ compensation laws [,] United Health Group has paid disability benefits and medical expenses as a result of the November 10th, 2008[ ] collision.
Beyond your determination of damages, you do not need to address the Intervenor’s claims. We are not free to discuss what they paid or not.
[669]*669But if they paid something, they were not very bright, because there’s an awful lot of medical evidence in this case that shows that this surgery did not come from this automobile collision. And even the Plaintiff, at the time she gave her history, didn’t relate it.
Endsley did not object to this statement, and at the conclusion of the closing arguments, the trial court continued its charge to the jury Then, after the jurors had been dismissed to deliberate, but just before they returned to the courtroom to read the verdict, Endsley’s counsel put the following on the record:
Your Honor, at some point I wanted to put on the record what I had said before we did the charge about the charging on the workers’ compensation lien. And I wanted to put an objection to that being included in the charge. . . . We did object and ask you to exclude any reference to the workers’ compensation lien on the grounds that it did inject the collateral source, and we still except that the Court included that in its charge. . . . And, Judge, that was overruled, I believe.
The trial court confirmed that Endsley’s objection had indeed been overruled and, thereafter, the jury returned a verdict in favor of Mason and GEC, upon which the court entered judgment. This appeal follows the denial of Endsley’s motion for new trial.
1. First, Endsley argues that the trial court erred in its initial decision to allow UHG to actively participate at trial as a party after intervening in the case rather than bifurcating the trial. We agree that, under the particular facts of this case, the trial court abused its discretion in not initially choosing to bifurcate the trial.2 However, for the reasons discussed in Division 2 infra, the error was ultimately harmless.
At the outset, we note that OCGA § 34-9-11.1 provides, in relevant part, that when a third party causes an employee’s injury or death, and the liability of the employer has been fully or partially paid, the employer or the employer’s insurer “shall have a subrogation lien, not to exceed the actual amount of compensation paid [670]*670pursuant to this chapter, against such recovery.”3 And to protect this interest, the employer or the employer’s insurer “may intervene in any action to protect and enforce such lien.”4 But the recovery of the employer or employer’s insurer is
limited to the recovery of the amount of disability benefits, death benefits, and medical expenses paid under this chapter and shall only be recoverable if the injured employee has been fully and completely compensated, taking into consideration both the benefits received under this chapter and the amount of the recovery in the third-party claim, for all economic and noneconomic losses incurred as a result of the injury.5
If the injured employee fails to bring suit against the third party within one year, OCGA § 34-9-11.1 (c) permits the employer or such employer’s insurer to “assert the employee’s cause of action in tort, either in its own name or in the name of the employee.” The employee must be given notice if the employer or employer’s insurer files suit, and the employee has the right to intervene.6 Additionally, if the employee files suit against the third party more than one year after the date of the injury, the employee must give notice to the employer or its insurer, and “the employer or its insurer . . . have a right to intervene.”7 Regardless, “if the employer or insurer recovers more than the extent of its lien, then the amount in excess thereof shall be paid over to the employee.”8
As we have previously explained, the workers’ compensation statute is in derogation of the common law and, as a result, it must be strictly construed.9 Thus, any claim by an employer or its insurer “asserting subrogation rights against a third-party tortfeasor to the [671]*671extent of workers’ compensation payments made to the employee arises solely by operation of statute.”10 An employer or employer’s insurer’s right to seek subrogation, then, is not absolute.11
Nevertheless, we have also held in the context of workers’ compensation subrogation that “[^Intervention under OCGA § 34-9-11.1 gives the intervenors rights against the defendants and the plaintiffs which are analogous to cross-claims.”12 Furthermore, we have suggested that “should an intervenor seek to litigate issues different, from those already pending between the parties, to claim additional damages, or to raise additional defenses, . . . the intervenor’s ability to raise these matters would be controlled by OCGA §§ 9-11-21 and 9-11-15 (c).”13 And finally, although an intervenor’s “choice of pleadings or argument may on occasion conflict with a plaintiff’s choice,”14 we have noted that the trial court’s “ability to referee such disagreements and conflicts will have to be decided on a case-by-case basis.”15
[672]*672Here, Endsley sought to recover “for her past and future actual damages and her pain and suffering.” Importantly, because a workers’ compensation subrogation lien is “available only against recovery for economic losses, the insurer must show that the employee has been fully and completely compensated as to each category of non-economic loss for which the insurer seeks subrogation and that no portion of the lien is taken against recovery for noneconomic losses.”16 And in the case sub judice, there is no indication that there was any disagreement between Endsley and UHG as to how the case should proceed on the issue of recoverable damages to achieve full and complete compensation.17 In such a case, the most appropriate procedure is for the trial court to bifurcate the trial into two phases in order to exclude prejudicial references to collateral sources of recovery, i.e., workers’ compensation benefits.18 Thus, in failing to bifurcate the trial in this particular case, the trial court abused its discretion.19
In a trial that is bifurcated due to intervention of a workers’ compensation carrier under OCGA § 34-9-11.1, the first phase consists of trying before the jury the plaintiff’s claim against the defendant while omitting any reference to reimbursement for lost wages and medical expenses by the workers’ compensation carrier, and utilizing a special-verdict form to itemize the recovery amounts awarded for the plaintiff’s damages should the jury find the defen[673]*673dant liable.20 Then, in the second phase of the trial, the issue to be decided is whether the workers’ compensation carrier is entitled to a subrogation lien against the plaintiff’s recovery made in phase one.21 To accomplish this, in the second phase, the workers’ compensation carrier must show
without regard to the tort principles applied in [the plaintiff’s] claim against [the third-party defendant], that [the plaintiff was] “fully and completely compensated[ ]” within the meaning of OCGA § 34-9-11.1 (b), for all of her economic and noneconomic losses incurred as a result of the injury.22
As we have previously noted, “either by the agreement of the parties or by waiver in failing to timely object, the trial court can submit the issue of full and complete compensation to the jury to render an advisory finding of fact.”23 However, under OCGA § 34-9-11.1, “the legal duty to make the determination that the employee has been made whole still remains with the trial court, even if it uses a jury to advise it in reaching such determination.”24
[674]*674In denying Endsley’s request to bifurcate the trial in this case, the trial court relied upon this Court’s decision in Andrews v. Ford Motor Company,25 in which we vacated a trial court’s order granting an insurance company’s motion to intervene under OCGA § 9-11-24 (a) (2) in a product-liability action when the court conditioned the intervention such that the insurance company “would not be allowed to participate as a party during the main action”; “would not be allowed to have its name added to the caption of the case”; and “none of its claims would be addressed by the court until after the court had resolved the claims presented in the main action.”26 Specifically, we concluded in Andrews that although the trial court’s order purported to grant the insurance company the right to intervene, it
denie[d] [the company] the status necessary to protect any interest it may have—that of a party—and the litigation tools necessary to participate in the case as an intervenor so that it may carry out the purpose of intervention, that is, to protect whatever rights it may have or whatever claims it may seek to interpose during the pending litigation.27
However, setting aside the fact that the intervention in An drews was made under an entirely different statute, the relevant division in this opinion is not binding precedent because one of the three judges participating in that case (Judge Doyle) concurred in the judgment only as to that division.28 Moreover, even if Andrews were binding precedent, nothing in that opinion explicitly purports to prohibit a [675]*675trial court from bifurcating a trial in circumstances similar to those presented in the case sub judice. And while there may be some degree of tension between Andrews and cases involving bifurcation in the workers’ compensation context, we need not resolve that tension today.
Accordingly, the trial court abused its discretion in failing to bifurcate this case, which, notwithstanding the stipulation ultimately reached between Endsley and UHG, resulted in comments and instructions throughout the trial that referred to the collateral source of workers’ compensation benefits. However, for the reasons set forth infra in Division 2, the trial court’s error in refusing to bifurcate does not require reversal.
2. Next, in two separate enumerations of error, Endsley argues that after accepting the stipulation with UHG and deciding that there was no longer a need for UHG to participate at trial, the trial court further erred in giving certain instructions to the jury. Specifically, Endsley maintains that the court erred in instructing the jury that UHG had paid benefits to Endsley, giving it a lien against any recovery, and had done so as a result of the wreck. She further contends that the court erred in instructing the jury that UHG’s workers’ compensation lien was “evidence about the presence or absence of insurance or benefits.” But pretermitting whether Endsley acquiesced to the first instruction by failing to move for a mistrial after the trial court accepted the stipulation and, instead, agreed that the court could instruct the jury as to same,29 we find any error by the trial court’s instructions harmless.
[676]*676We have previously rejected outright the argument that erroneous admission or reference to collateral sources is always harmful.30 Indeed, it is well established that, generally, when the error in the admission or exclusion of evidence or in the giving or not giving of jury instructions relates only to the issue of damages, and the jury finds that the defendant is not liable, the error is harmless because it does not affect the verdict.31 To that end, we have repeatedly held that when collateral sources such as insurance and disability benefits are referenced, the error in doing so is harmless when the jury renders a verdict finding that the defendant is not liable to the plaintiff.32 [677]*677Indeed, our own Supreme Court has acknowledged in Denton v. Con-Way Southern Express, Inc.33 that, at least insofar as liability insurance of a defendant is concerned, the “rationale” for not disclosing same to a jury is due chiefly to “the assumption that a knowledge of the fact of insurance against liability will motivate the jury to be reckless in awarding damages to be paid . . . .”34 And, as we have previously recognized, when our Supreme Court decided Denton, it “undoubtedly was aware of our treatment of this issue [(i.e., our application of the harmless error rule to the erroneous admission of collateral-source evidence)] before its decision,”35 and “without a specific holding to the contrary we will not interpret [the Supreme Court’s] failure to address this issue as a rejection of the harmless error rule.”36
In support of her argument that reference to a collateral source “infects the question of liability,” Endsley relies upon our decision in Collins v. Davis.37 However, in reversing for a new trial in that case, [678]*678we noted that the “evidence relating to negligence” was “highly disputed and uncertain” and, as a result, it was “impossible to say that the errors in admitting [the] insurance evidence did not affect the verdict.”38 In Collins, the trial court permitted admission, over repeated strenuous objections and motion for mistrial, that the plaintiff had failed to file a claim with his no-fault insurer.39 The defendant argued that this was relevant to the plaintiff’s claim for lost wages.40 But we explained that the “[f]ailure to file an insurance claim is not an admission that the party has no loss” and that such evidence “does not logically prove he had no lost wages, any more than filing a claim would prove he did have lost wages.”41 Indeed, in Collins, the evidence was disputed
as to whether the lead car (in which the plaintiff . . . was a passenger) was at fault for stopping suddenly, whether other cars stopping in front of the lead car caused that car to stop, whether the brake lights of the lead car failed to operate or simply were not seen by defendant... in the car behind; and whether [the defendant] might have been following too closely.42
Thus, all of the foregoing informed our conclusion that, “[b]y implying there was no loss, or that the party had a source of insurance and therefore should not have sued (or should have been sued), it infects the question of liability.”43
But here, as previously noted, negligence was admittedby Mason and GEC (i.e., Mason and GEC admitted to breaching a duty of care owed to Endsley), leaving the jury to determine (1) the proximate cause of Endsley’s injuries and, thus, whether Mason and GEC were liable, and (2) the monetary amount of damages if the jury determined that Mason and GEC were liable for same. Indeed, the trial court instructed that the jury’s “duty [was] to determine the amount of damages, if any, that wereproximately caused by the collision. The [p]laintiff must prove the [defendant's negligence was the proximate [679]*679cause or one of the contributing causes entering into the proximate cause of her injury.”44 The court then later instructed that “[n]o [pjlaintiff may recover from injuries or disability that are not connected with the act or omissions of the [djefendants from whom a recovery is sought. There can be no recovery for any injury or disability that was not proximately caused by the incident in question.” Further on, the court charged that
[djamages are given as pay for compensation for injury done. When the law requires one party to pay damages to another, it seeks to see that the damages awarded are fair to both parties. If you believe from a preponderance of the evidence that the [pjlaintiff is entitled to recover, you should award to the [pjlaintiff such sums as you believe are reasonable and just in this case.
Thus, it is abundantly clear that liability remained an issue, and this was not strictly a trial regarding the monetary amount of damages to be awarded. And elsewhere, the trial court’s instructions to the jury directed that beyond the determination of damages awarded, the jury would not address the intervenor’s claims as to the workers’ compensation subrogation lien.45
Finally, this was not a case in which it was impossible to tell the basis for the jury’s decision in favor of the defendants by the verdict form.46 Indeed, utilizing a special verdict form, the jury concluded that Mason and GEC were not liable and never reached the question of monetary damages. Accordingly, the jury never reached the issue [680]*680of damages, rendering any error in the court’s references to and instructions regarding the workers’ compensation lien harmless.47
Decided October 28, 2016
Reconsideration denied November 28, 2016
Dozier Law Firm, L. Zack Dozier, Jr.; Charles M. Cork III, for appellant.
Cowsert & Avery, William S. Cowsert; Hamilton Westby Antono-wich & Anderson, Holly J. Portier, for appellees.
For all of the foregoing reasons, we affirm.
Judgment affirmed.
Phipps, P. J., and Peterson, J., concur.