Subrogation allows the insurer to recover the full amount paid. It also allows the insurance company to recover from the third party's insurer, if applicable.Subrogation is the process of legally pursuing the recovery of funds from the party who is ultimately responsible for a loss or injury. This is called subrogation. State Farm will try, to the extent that you're not liable for the accident, to recover all or a portion of the deductible you paid. Subrogation is a legal concept that often comes up in the personal injury context after a settlement agreement has been reached. Subrogation is the right of an insurer to pursue the party that caused the loss to the insured in an attempt to recover funds paid in the claim. The insurer is pursuing a subrogation claim against the insurer of the other vehicle, which presumably has caused the physical damage to the insured's vehicle. In a complex and technical domain such as subrogation, experience often is the difference between success and failure. Essentially, your insurance company "steps into your shoes" as though you paid the loss.
