Claims & Disputes
Subrogation
Your insurer's right to recover claim payments from the third party that caused the loss.
Last reviewed: May 2026 · Editorial methodology
Definition
The legal right of an insurance company to pursue a third party that caused an insurance loss to the insured. After paying a claim, your insurer 'steps into your shoes' and sues the at-fault party to recover what it paid out. Subrogation recoveries can sometimes reduce your deductible. You usually waive subrogation rights in commercial leases and certain construction contracts — check with your agent before signing.
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Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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