How Subrogation Recovers Your Deductible After a Claim

Most people pay their deductible and assume the insurance company has covered their share of the loss. But behind the scenes, a legal mechanism called subrogation determines who actually pays for the damage. In this episode, we look at how insurers recover costs from at-fault parties and why that process directly impacts whether you get your deductible back. We break down the specific steps of the recovery process, what happens when the liable party is uninsured, and why waiving subrogation rights can cost you more in the long run. This is a practical look at the financial mechanics of claims settlement.

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