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My insurance claim is in subrogation; what does that mean?

March 27, 2017

Subrogation is a common part of the claims process. Your insurance company is interested in wrapping up a claim as quickly as possible. Often, they pay for damages as soon as they’ve confirmed a claim is legitimate. You get a check right away and can move on with your life, but the process isn’t over for your insurance company, which still needs to be reimbursed by the party who harmed you.

If, for example, you were in a car accident that wasn’t your fault, your insurance company acts quickly to pay for your repairs. And then it steps into your shoes to pursue the money owed by the driver who caused the accident. By paying you, the insurance company assumes your right to collect from the driver—or his insurance company, more likely.

When your insurance company notifies you that your case is “in subrogation,” it means that they’re pursuing final payment for your claim. This payment goes to them because they’ve already taken care of you.

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