Claims & Insurance
Subrogation
An insurer's right to recover what it paid from whoever actually caused the loss, such as a careless manufacturer or another driver. It means a closed claim can reopen, so keep your photos and documents after settlement. Recovery usually goes to the paying carrier, and the rules vary by state.
Common questions
What does "Subrogation" mean in Xactimate estimating?
An insurer's right to recover what it paid from whoever actually caused the loss, such as a careless manufacturer or another driver. It means a closed claim can reopen, so keep your photos and documents after settlement. Recovery usually goes to the paying carrier, and the rules vary by state.
Where does "Subrogation" show up in a claim?
The term matters on estimates and scopes across the insurance restoration workflow. Browse the glossary for related terms.
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