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Subrogation is a term that's well-known among legal and insurance companies but sometimes not by the people who employ them. Even if you've never heard the word before, it is in your benefit to understand the steps of how it works. The more information you have about it, the better decisions you can make with regard to your insurance policy.
Every insurance policy you hold is a commitment that, if something bad happens to you, the insurer of the policy will make restitutions in one way or another in a timely fashion. If your vehicle is hit, insurance adjusters (and the courts, when necessary) decide who was at fault and that party's insurance pays out.
But since ascertaining who is financially responsible for services or repairs is sometimes a heavily involved affair – and time spent waiting in some cases increases the damage to the victim – insurance firms in many cases opt to pay up front and assign blame afterward. They then need a method to recover the costs if, when all the facts are laid out, they weren't actually in charge of the expense.
Can You Give an Example?
You rush into the doctor's office with a gouged finger. You give the receptionist your health insurance card and she takes down your coverage information. You get stitched up and your insurer gets an invoice for the medical care. But on the following day, when you get to your workplace – where the accident occurred – your boss hands you workers compensation paperwork to turn in. Your workers comp policy is actually responsible for the hospital trip, not your health insurance company. The latter has an interest in recovering its money in some way.
How Does Subrogation Work?
This is where subrogation comes in. It is the process that an insurance company uses to claim reimbursement after it has paid for something that should have been paid by some other entity. Some insurance firms have in-house property damage lawyers and personal injury attorneys, or a department dedicated to subrogation; others contract with a law firm. Usually, only you can sue for damages done to your person or property. But under subrogation law, your insurer is given some of your rights for having taken care of the damages. It can go after the money that was originally due to you, because it has covered the amount already.
Why Does This Matter to Me?
For a start, if your insurance policy stipulated a deductible, it wasn't just your insurer who had to pay. In a $10,000 accident with a $1,000 deductible, you have a stake in the outcome as well – to be precise, $1,000. If your insurance company is timid on any subrogation case it might not win, it might opt to get back its costs by raising your premiums. On the other hand, if it knows which cases it is owed and goes after them efficiently, it is doing you a favor as well as itself. If all $10,000 is recovered, you will get your full thousand-dollar deductible back. If it recovers half (for instance, in a case where you are found one-half accountable), you'll typically get half your deductible back, depending on the laws in your state.
Furthermore, if the total loss of an accident is over your maximum coverage amount, you may have had to pay the difference. If your insurance company or its property damage lawyers, such as attorneys olympia wa, pursue subrogation and wins, it will recover your expenses in addition to its own.
All insurance agencies are not the same. When comparing, it's worth looking at the reputations of competing companies to find out if they pursue valid subrogation claims; if they resolve those claims without dragging their feet; if they keep their policyholders apprised as the case continues; and if they then process successfully won reimbursements immediately so that you can get your funding back and move on with your life. If, instead, an insurance firm has a reputation of honoring claims that aren't its responsibility and then covering its bottom line by raising your premiums, even attractive rates won't outweigh the eventual headache.
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