What Is Subrogation?
Subrogation is the legal right of your insurer to step into your shoes and recover what it paid you from the at-fault party. If another driver hits your parked car and your insurer pays your collision claim, it then pursues that driver (or their insurer) to get its money back — often returning your deductible once recovered.
Why it matters
Subrogation keeps premiums lower overall by pushing the cost of a loss onto the responsible party instead of spreading it across all policyholders.
Common confusion
Subrogation is about money recovery between insurers, not about denying your claim. You still get paid under your own policy first.
Frequently Asked Questions
Will I get my deductible back through subrogation?
Often yes. If your insurer successfully recovers from the at-fault party, it typically reimburses your deductible, though it can take months.
Do I have to do anything?
Usually not, but cooperating with the investigation and not signing away your claim helps the process.