What is Subrogation?

If you have been involved in a car accident with property damage there is a chance that you have heard the term subrogation. You may not know what that means, or why someone is contacting you about the claim, but don’t be worried you are not alone. Subrogation is nothing more than an avenue to get a just resolution to a claim. It allows an insurance company to “step in the shoes” of their insured and recover payments they have made because of an accident.

Why am I Involved in a Subrogation Claim?
What does that mean to you? For many people, if they are ever involved in a subrogation claim it is related to an automobile accident. When you are involved in a motor vehicle accident and there is a question about who is at fault, your insurance company may choose to pay you under YOUR policy. However, if at a later point, your insurance company believes another person responsible for your damages, they can try to recover from them. No one wants to pay for something they are not responsible for, not even insurance companies.

Are There Benefits for Me if my Insurance Company Starts a Claim?
How does this help you? If you paid your deductible and your insurance company wins you may receive money back. You were able to get money back, and your insurance company did all the work, that’s a win for everyone.

Do I Have to Cooperate With My Insurance Company?
It is important to note that most insurance policies require you to cooperate with their subrogation claims. Check your individual policy for specific requirements.

Subrogation