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.
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