# Subrogation

_Glossary_

Canonical: https://www.claimspages.com/learn/glossary/subrogation/

The insurer's right to pursue a third party who caused the loss, after paying the insured, to recover amounts paid.

After paying a covered claim, the insurer steps into the shoes of the insured (subrogates) to recover from a negligent third party — another driver, a manufacturer, or a contractor. Recovered funds may reduce future premiums or reimburse the insurer depending on state law and policy terms.

Waivers of subrogation in contracts affect whether the carrier can pursue a project partner. Health and auto policies commonly include subrogation clauses.



Your insurer pays collision damage then sues the at-fault driver's insurer to recover what it paid, including your deductible in some states.