If you’ve been in a car accident in Georgia and your insurance company has already paid for your damages, you might be surprised to learn that they can go after the other driver’s insurance company to recover that money. This process is called subrogation—and while it mostly happens behind the scenes, it plays a key role in protecting your rights.
What is subrogation?
In simple terms, subrogation is your insurance company’s legal right to step into your shoes after paying for your losses. They use this right to seek reimbursement from the at-fault driver’s insurer. Subrogation helps keep insurance costs down and ensures that the person responsible doesn’t get away without financial consequences.
For example, if your insurer covers your car repairs and medical bills quickly after the accident, they may later subrogate by filing a claim against the other driver’s insurance provider. You still get paid upfront, but your insurer works behind the scenes to get reimbursed.
Why does subrogation matter to you?
Subrogation allows you to receive faster compensation while still holding the at-fault party accountable. However, it’s important to know how it affects your settlement. In some cases, especially if you also receive compensation through a personal injury claim, your insurance company may try to recover part of that settlement.
Understanding what counts as property damage is also important. In Georgia, it’s more than just your car. Items like child safety seats, electronics, or damaged personal items inside your vehicle may also be covered—and your insurer could subrogate for those losses, too.
Watch out for insurance tactics
Although subrogation is a normal process, you still need to be cautious. Insurance companies may use it to their advantage, especially when calculating your injury compensation. Be aware of tactics insurance companies use to undermine your claim, like downplaying your injuries or delaying payment.
What should you do?
If you’re not sure whether subrogation affects your case or settlement, contact Benavidez Law Firm. Our team will explain your rights, review your insurance policy, and make sure you’re protected from any tactics that could reduce your compensation.