Subrogation is when your insurer pays your claim and then steps into your shoes to recover from the at-fault party. It's the mechanism behind 'use your own coverage, deductible refunded later.'
How it works
- You file a first-party claim with your insurer (collision, UM/UIM, PIP, MedPay)
- Your insurer pays you (minus deductible) within statutory deadlines
- Your insurer pursues the at-fault driver's insurer for reimbursement
- When successful, your deductible is refunded pro rata
Why use it
Subrogation gets you paid fast. You don't wait on the at-fault insurer's timeline. Your insurer absorbs the negotiation and collection effort.
Timeline
Subrogation typically takes 3–12 months. Deductible refund follows recovery.
What you have to do
- Cooperate with your insurer's investigation
- Don't release the at-fault driver without insurer consent
- Forward any correspondence from the other party
Frequently asked questions
What is subrogation?
When your insurer pays your claim and pursues the at-fault driver to recover that payment.
Will I get my deductible back?
Yes, pro rata, if your insurer's subrogation succeeds.
How long does subrogation take?
Typically 3–12 months.
Can I settle directly with the at-fault driver?
Not after you've filed a first-party claim — that can void subrogation rights.
Does PIP subrogation work the same way?
Texas PIP is typically not subject to subrogation, unlike MedPay or collision.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.