What Is Insurance Subrogation and How Can It Affect Your Claim?

Insurance subrogation is a process that happens regularly especially with auto insurance. It allows the insurance company to collect from the responsible party what was paid out to an injured party or someone with damaged property. Many times auto accidents occur where the guilty party has no insurance or not enough coverage amount for the loss. Once the loss is settled, the insurance can collect back for the money it paid to its client that made them whole. Watch the video to see how deductibles are handled.

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Why would your insurance waive the deductible and refund your money before subrogation?