When it comes to insurance , the term subrogation rights may not be one you hear often, but it’s a critical concept that protects both insurers and policyholders. At Riseson Insurance , we’re dedicated to breaking down complex insurance topics for our clients in Tempe , Phoenix , Scottsdale , Tucson , Gilbert , and Chandler.

Subrogation occurs when your insurance company seeks reimbursement from a third party responsible for a loss after paying your claim. For example:

If another driver is at fault for a car accident and your insurer covers the repair costs, they may use subrogation to recover those expenses from the at-fault party’s insurer.

Subrogation rights:

Help Control Premium Costs By recovering costs from the responsible party, insurers reduce their financial losses. This, in turn, helps keep your insurance premiums more affordable. Protect You from Double Recovery Subrogation ensures that you don’t receive payment from both your insurer and the at-fault party for the same loss, avoiding complications or legal disputes. Streamline the Claims Process Subrogation allows insurers to take over the process of recovering damages, sparing you the stress of negotiating with the responsible party.

Claim Filed: You file a claim with your insurance company after an incident. Payment Issued: Your insurer covers the costs as outlined in your policy. Subrogation Begins: The insurance company identifies the at-fault party and seeks reimbursement from their insurer. Deductible Recovery: If the subrogation is successful, you may be reimbursed for your deductible.

Auto Insurance : Common in at-fault accidents. Home Insurance : May occur after property damage caused by a third party, such as a contractor’s negligence. Health Insurance : Can involve claims against a liable party in medical incidents.

At Riseson Insurance , we understand the nuances of subrogation rights and how they affect your insurance policies. Whether you’re in Tempe , Phoenix , Scottsdale , Tucson , Gilbert , or Chandler , having a local insurance agent on your side ensures you get the personalized guidance you need.

Have questions about subrogation or your insurance coverage? Reach out to Riseson Insurance at 602-460-5470 or visit us in Tempe. We’re here to help you navigate insurance complexities with ease and confidence.

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Subrogation in Different Types of Insurance

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• If another driver is at fault for a car accident and your insurer covers the repair costs, they may use subrogation to recover those expenses from the at-fault party’s insurer.

1. Help Control Premium Costs By recovering costs from the responsible party, insurers reduce their financial losses. This, in turn, helps keep your insurance premiums more affordable.
2. Protect You from Double Recovery Subrogation ensures that you don’t receive payment from both your insurer and the at-fault party for the same loss, avoiding complications or legal disputes.
3. Streamline the Claims Process Subrogation allows insurers to take over the process of recovering damages, sparing you the stress of negotiating with the responsible party.

1. Claim Filed: You file a claim with your insurance company after an incident.
2. Payment Issued: Your insurer covers the costs as outlined in your policy.
3. Subrogation Begins: The insurance company identifies the at-fault party and seeks reimbursement from their insurer.
4. Deductible Recovery: If the subrogation is successful, you may be reimbursed for your deductible.

• Auto Insurance : Common in at-fault accidents.
• Home Insurance : May occur after property damage caused by a third party, such as a contractor’s negligence.
• Health Insurance : Can involve claims against a liable party in medical incidents.