Question

What is auto subrogation?

Subrogation is a common feature in many insurance policies, particularly in property and casualty insurance like auto insurance.

This coverage aims to protect you and your insurer from paying for damages that aren’t your fault. While standard auto insurance protects you from the financial liabilities incurred after an accident, subrogation coverage reimburses any money spent on an accident you weren’t responsible for.

But that doesn’t mean that every accident that occurs to your vehicle, that isn’t your fault, can be claimed for subrogation. As per different state laws, some expenses and claims will be ineligible for subrogation. Since the entire process of subrogation claim is carried out by your insurer, if your vehicle is eligible for it, the insurer will pursue reimbursement post an accident.