You may be asked to cooperate with your insurer’s subrogation effort — statements, documents, not signing away recovery rights carelessly. It’s a back-office word with front-seat wallet effects when your deductible might come back.
Subrogation
- What it means
- The process where your insurer pays your covered claim, then seeks repayment from the party who was legally responsible for the loss.
- Tennessee example
- Your insurer pays to fix your car after a Memphis red-light crash, then pursues the at-fault driver's insurer to recover what it paid.
- Why it hits your wallet
- Subrogation can affect deductibles being reimbursed and keeps claim costs from sticking solely to the wrong party's insurer.