Subrogation

Subrogation is your insurer's right to recover money from the at-fault party (or their insurer) after paying your claim. You typically don't see this process — your insurer handles it after settling with you.

Related terms

First-Party Claim

A First-Party Claim is a claim you file against your own insurance policy (under collision or comprehensive coverage). You pay the deductible but typically have access to the appraisal clause and other policy protections.

Third-Party Claim

A Third-Party Claim is a claim you file against the at-fault driver's insurance policy. You don't pay a deductible, but you also don't have policy rights with that carrier — including the appraisal clause — which can make negotiation harder.

Free review first

Need help with a real total-loss claim?

Your consultation and offer review are free. If we agree to be your appraiser, our service is $199 for the appraisal research plus up to 2 hours of appointed-appraiser work at $149/hour.

Free appraisal consultation — and you pay nothing unless we get you at least $1,000 more. Our average is $3,260 more.No upfront payment — we pre-authorize your card only after reviewing your consultation and agreeing to take the engagement.

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The minimum guarantee is a full service-fee waiver when an accepted engagement does not deliver the minimum additional value over the insurer's initial offer. Results vary. See terms.