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Subrogation is a term that's understood among legal and insurance companies but often not by the customers who employ them. Even if you've never heard the word before, it would be in your benefit to comprehend an overview of how it works. The more you know about it, the more likely an insurance lawsuit will work out favorably.
Any insurance policy you hold is a commitment that, if something bad happens to you, the firm that covers the policy will make good without unreasonable delay. If you get an injury while you're on the clock, your company's workers compensation insurance picks up the tab for medical services. Employment lawyers handle the details; you just get fixed up.
But since determining who is financially responsible for services or repairs is typically a confusing affair – and delay in some cases adds to the damage to the policyholder – insurance firms in many cases opt to pay up front and assign blame after the fact. They then need a method to get back the costs if, when all the facts are laid out, they weren't responsible for the expense.
Let's Look at an Example
Your garage catches fire and causes $10,000 in home damages. Luckily, you have property insurance and it pays out your claim in full. However, in its investigation it discovers that an electrician had installed some faulty wiring, and there is a decent chance that a judge would find him liable for the damages. You already have your money, but your insurance company is out $10,000. What does the company do next?
How Subrogation Works
This is where subrogation comes in. It is the way that an insurance company uses to claim reimbursement when it pays out a claim that turned out not to be its responsibility. 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. Normally, only you can sue for damages done to your person or property. But under subrogation law, your insurance company is extended some of your rights for making good on the damages. It can go after the money that was originally due to you, because it has covered the amount already.
How Does This Affect Individuals?
For starters, if you have a deductible, your insurance company wasn't the only one 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 lax about bringing subrogation cases to court, it might opt to get back its costs by increasing your premiums. On the other hand, if it has a knowledgeable legal team and pursues them enthusiastically, it is doing you a favor as well as itself. If all of the money is recovered, you will get your full $1,000 deductible back. If it recovers half (for instance, in a case where you are found one-half to blame), you'll typically get half your deductible back, depending on your state laws.
In addition, if the total price of an accident is over your maximum coverage amount, you may have had to pay the difference, which can be extremely spendy. If your insurance company or its property damage lawyers, such as Catastrophic injury attorneys Rosedale MD, successfully press a subrogation case, it will recover your losses as well as its own.
All insurers are not created equal. When comparing, it's worth examining the reputations of competing companies to evaluate if they pursue winnable subrogation claims; if they do so in a reasonable amount of time; if they keep their accountholders apprised as the case goes on; and if they then process successfully won reimbursements immediately so that you can get your money back and move on with your life. If, instead, an insurer has a record of paying out claims that aren't its responsibility and then covering its bottom line by raising your premiums, you'll feel the sting later.
Insurance is one thing that you just can't pass by. When you run the numbers, there is no way to responsibly assume all of the risks that go along with your household, automobile, or house - the things you love most in life. To safeguard the things you love with quality service at an excellent rate, go to State Farm®. We offer many financial products to assist you in reaching your financial goals. State Farm® can be your financial services company.
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