Car insurance glossary
What is insurance subrogation?
Insurance subrogation is the process by which an insurer seeks recovery from a responsible party after paying a covered claim.
Also called: subrogation claim
Glossary date: July 20, 2026
How it works
The insurer may pursue another driver or insurer and may seek to recover a policyholder's deductible. Policyholders must usually protect the insurer's recovery rights.
Example
Your collision insurer pays for repairs, then seeks reimbursement from the at-fault driver's insurer.
Why it matters
Recovery can take time and is not guaranteed, including recovery of your full deductible.
What to check on your policy
Keep evidence, cooperate with requests, report any settlement offer, and ask how recovered money will be allocated.
Related car insurance terms
Put the terms into context
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