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Subrogation occurs when an insurance company goes after the party responsible for an accident or damages. You would use your insurance company for subrogation. This is something that the company will handle on their own. In most cases you do not have to do anything.
Wiki User
∙ 9y ago
It can be a good idea to use your insurance carrier for subrogation if they have the expertise to help you recover costs from the at-fault party. However, you may also choose to handle subrogation independently to avoid potential premium increases or deductible payments. It's important to weigh the pros and cons based on your specific situation.
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