What is a subrogation claim?

A subrogation claim is made by an insurance company to get reimbursement from the party responsible for a loss it has already paid out on a claim. It applies when a person other than the claimant is responsible for some or all of the damages from a submitted claim.

Whether or not a subrogation claim is filed depends on the individual state laws, the circumstances surrounding the loss and the policy provisions. The insurance company may recover damages paid by the original claimant as well those paid by the company. If both parties share some measure of responsibility, their insurance companies may even submit subrogation claims against each other, with each company paying its respective portion.