Can subrogation still be claimed after the car is repaired?
2 Answers
Subrogation cannot be claimed after the car is repaired. Below is a detailed introduction to the relevant knowledge about subrogation: Overview of Subrogation: According to insurance law, subrogation is an important function of insurance companies. However, given the current state of the insurance industry, the insured's insurance company is generally not willing to assist in the subrogation process. Insurance Company's Avoidance of Responsibility: The insurance company will inform you that the other party's insurance company will compensate, which is the usual way to handle normal cases. However, it is also common for the at-fault party to be uncooperative. In such cases, you should communicate effectively with the other party and provide the necessary materials.
Of course, you can still claim subrogation after the car is repaired. I've personally experienced this. Last time when my car was hit by someone, I paid for the repairs out of my own pocket first because I needed the car urgently. Then I remembered the insurance and contacted the company. They explained that subrogation means they help you recover the money from the at-fault party, but the key is to report the accident promptly. I provided the accident report and repair invoices, and after review, the insurance company successfully handled the claim. It's advisable not to wait until after repairs to file; it's better to report before repairs and keep evidence like photos or records, which makes the process smoother and avoids disputes over unclear evidence. Don't worry about the time limit—claims are generally valid within one year after the accident, but you need to have all the necessary documents ready. In short, it's entirely feasible if handled properly.
