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.

Answer
“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.”
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Shannon Martin
Answered on Jul 26, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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