How Insurance Subrogation Recovers Your Deductible

Most people think their insurance deductible is a sunk cost after a claim. But when a third party causes the damage, subrogation allows your insurer to recover those funds from the at-fault driver’s carrier. In this episode, we break down exactly how subrogation works in practice, why it often takes months to resolve, and what happens when the at-fault party is underinsured or files for bankruptcy. We look at a specific case where a minor fender bender turned into a six-month legal battle, revealing how much of your deductible you can realistically expect to get back.

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