What does subrogation mean regarding an insurance claim?

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What does subrogation mean regarding an insurance claim?

I was in an accident and didn’t have insurance.

Asked on July 30, 2017 under Accident Law, New York

Answers:

M.D., Member, California and New York Bar / FreeAdvice Contributing Attorney

Answered 4 years ago | Contributor

Subrogation is the legal right that allows one party (typically an insurance company) to make a payment that is actually owed by another party (the at-fault driver’s insurance company) and then collect the money from the party that owes the debt after the fact. Basically, it is a way that car insurance companies recover money that was paid out in claims to drivers insured by them. So, for example, if you were hit by an uninsured driver, then your insurance company will pay your claim and then go against the at-fault driver for reimbursment of the claim.


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