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9253 Mosby Street | Suite 100
Manassas, VA 20110

Local: 703-659-1961
Toll-Free: 866-719-4394

CALL TO SCHEDULE A FREE CONSULTATION
We Operate On A Contingency Fee Basis

9253 Mosby Street | Suite 100 | Manassas, VA 20110

In light of the COVID-19 pandemic, we are offering virtual consultations for all our existing and new clients. Call or Email or us to start the process, and we will schedule the initial consult to take place via Facetime, Skype, Zoom, Teams, or other services based on client needs.

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For more than 30 years, injury victims in Northern Virginia have placed their trust in The Law Offices of Locklin & Coleman, PLLC

Is subrogation a factor in your insurance claim?

Sometimes those who have been injured in auto accidents may have to deal with subrogation rights with an insurance company. While generally this action is taken between insurance companies, occasionally the injured party may become involved.

Subrogation deals with the legal rights of insurance companies to pay out claims that are owed by other parties, usually another insurance company. The company that initially paid the claim must then collect its money back from the liable party at a later point.

In most cases, subrogation is the final step in an insurance claim. For some claims, it will never be an issue. When insurance companies pursue subrogation, they are legally obliged to inform their injured customers of that.

The insurance company’s actions could affect you in a couple of ways. The terms of your policy require your cooperation in their attempts at recovery, so you can’t waive other people’s liability for your injuries or damages or otherwise release them or their insurer from their responsibility to repay the claim.

Also, if you had to pay a deductible, your insurance company has to try to get it back for you as part of the subrogation process. Sometimes, your deductible might be prorated if you were determined to have been partially at fault for your accident.

Because the concept of subrogation can get complex when there are multiple defendants or plaintiffs involved in accidents involving several vehicles, if you have questions or if you are asked to sign any waivers, you should always seek the counsel of your personal injury attorney. Otherwise, you could negatively impact your claim, or even have it denied entirely.

Source: DMV.org, “Subrogation,” accessed Jan. 13, 2017

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