Glossary
Subrogation
The process by which your insurer recovers money from the at-fault party after paying your claim.
What is subrogation?
Subrogation is the legal process where your insurer, after paying your claim, pursues the at-fault party (or their insurer) to recover the money paid out.
Details
When you’re hit by another driver, your insurer may pay your claim quickly under your own collision coverage, then subrogate against the at-fault driver’s insurer. If subrogation succeeds, your deductible is typically refunded. The process is invisible to you in most cases.