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What is subrogation and will it help me?
What does subrogation mean? My car was badly damaged in an accident the other day. I was found not at fault for the accident. However, since the other driver wasn't carrying insurance, I still had to pay my $1,000 deductible. My adjuster said not to worry and that I will get it refunded through subrogation.
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Yes, subrogation can help you!
In most cases, when there is damage to your vehicle, the at-fault driver’s insurance will pay for your
collision coverage
from their property damage coverage
. If the other party does not have insurance, you will have to pay the deductible to have your car repaired.
Subrogation is the act of your insurance carrier pursuing the at-fault party for reimbursement of the cost to repair your vehicle and your deductible. It can take a little time, but you will get your $1,000 back if your carrier is successful.
Different types of insurance can help against different situations. Consider using
Jerry
to add uninsured motorist protection to your policy.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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