30/08/2025
⚖ Did you know your insurer can fight on your behalf after settling your claim?
This process is called Subrogation. It gives the insurer the right to step into your shoes and recover the claim amount from the party actually responsible for the damage.
✅ Why it matters to you:
Ensures fairness—you get compensated but don’t profit twice.
Protects policyholders from lengthy legal battles.
Common in motor insurance (accidents caused by another driver) and property insurance (defective work by contractors, manufacturers, etc.).
In short: Subrogation means once you’re paid, your insurer takes over the legal right to recover the loss from the at-fault party.