Can subrogation still be claimed after the car is repaired?

[JessicaMarie]

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.

[LeLincoln]

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.

[MiguelFitz]

I discussed this with a friend who knows about insurance, and he said subrogation is when the insurance company seeks compensation from the at-fault party on your behalf, which isn't directly related to whether your car is repaired or not. The key is that you reported the accident to the insurance company at the time it happened and provided post-repair invoices along with accident proof, such as a police report, so they can initiate the recovery process. Applying after repairs is also acceptable, but don't delay too long—missing evidence or deadlines can complicate things. From personal experience, it's best to organize all the documents and submit them to the insurance agent for evaluation right after repairs, ideally within one or two months. Additionally, subrogation is based on clear liability of the at-fault party, increasing the chances of successful recovery, but it's advisable to involve the insurance company before repairs for smoother proceedings.

[HeidiDella]

When I first got my driver's license, I knew nothing about cars. After my car got scratched, I repaired it myself before asking about subrogation. I asked an experienced person, and he told me I could definitely apply for it. As long as you report the accident to the insurance company and provide them with the repair invoice and liability determination documents after the repair, the insurance company will verify and help you recover the money. Just make sure to act quickly before the evidence disappears. During the process, I found that it's okay to handle it after the repair, but you need to prepare all the documents to avoid delays. Beginners are advised to contact the insurance company promptly to prevent forgetting the details.