What does subrogation mean regarding an insurance claim?

UPDATED: Jul 30, 2017

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

UPDATED: Jul 30, 2017Fact Checked

Get Legal Help Today

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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


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

Answered 5 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.

IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

Get Legal Help Today

Find the right lawyer for your legal issue.

secured lock Secured with SHA-256 Encryption