What Is Car Insurance Subrogation?
When filing a car insurance claim, you may come across the term “insurance subrogation.” It’s a legal process that allows an insurance company to request reimbursement from the at-fault driver’s insurer for the money it’s paid for your claim.
Depending on which side of the claim you’re on, it can seem unfair and confusing. If you didn’t cause the car accident, you could directly benefit from subrogation — the funds may help cover your deductible payment, minimizing your out-of-pocket costs.[1] If you did cause the accident, it can feel like one more headache in a stressful situation.
No matter where you are in an accident’s fallout, here’s what you need to know about insurance subrogation.