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Subrogation means that your insurance company has the right to pursue a third party that has caused you to suffer a loss. This is so that your insurance company can claim back the money they spent on repairing or replacing your insured item(s).

What’s an example of subrogation?

Let’s say that you are in a bumper bashing that was caused by another person. It’s a bit of a mission to claim from the other party’s insurer so you decide to just claim directly from yours. Your insurer pays you out or repairs the damage to your car. This is when subrogation takes place. Your insurer will approach the third party’s insurer and attempt to claim back the money they spent to repair or replace your vehicle. Through this process, your insurer will often also pay back your excess if they are successful in making their recovery.

What does third-party liability cover?

Third-party liability cover provides you with protection when you are in a car accident where you damage someone else’s car or property and you are held legally responsible to cover the cost of their damage.

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