Subrogation written on a brown envelope with ten- and twenty-dollar bills inside

How to Recoup Losses With Subrogation Claims

If insurance companies pay out damages whenever wrongdoing occurs, and wrongdoers get off scot-free, the justice system isn’t really working. At Righi Fitch Law Group, we’re here to remedy this error for our clients, who include property owners, insurers, contractors, and other businesses and professionals.

We do so using subrogation claims, especially after fires, floods, property damage, and other so-called “casualties.”

What Is a Subrogation Claim?

Subrogation is a legal process that allows insurers to recover costs from the at-fault party after an accident or another damage-causing event. In most cases, insurance companies pay their policyholders directly, then resolve issues of liability with a third-party claim known as a subrogation claim.

For example, consider a car accident. If a distracted driver causes a crash, the other driver’s insurance company (Insurance Company A) might cover their policyholder’s medical bills, property damage, and other expenses. Still, the at-fault driver is responsible for the accident, so Insurance Company A might file a subrogation claim against the at-fault driver and their insurance company (Insurance Company B).

This way, the at-fault driver ends up facing financial consequences of their actions, and Insurance Company B upholds its duty towards its policyholder.

Who Can File a Subrogation Claim?

Subrogation claims aren’t limited to insurance companies. Our firm represents many contractors and subcontractors as they recover deductibles and other costs associated with property damage or loss. If you pay anything towards a situation you are not at-fault for, a subrogation claim may be appropriate.

We can also help clients who get named in subrogation claims, particularly those in the construction industry. All too often, insurers accuse contractors and subcontractors of doing something wrong, when these parties never breached the standard of care nor caused any property damage.

Learn more about subrogation claims with Attorney Marcus Tappe during this 3-minute video (opens a new window).

Holding the Correct Party Accountable

At Righi Fitch Law Group, we are dedicated to our clients, and we want to help make sure the facts come forward. We use innovative legal strategies and allow the people we serve to be involved in the resolution of their cases.

If you want to learn more about filing or responding to a subrogation claim, don’t hesitate to contact our legal team.

We can start discussing the best strategy for your case as soon as you call us at (602) 483-6352 or contact us online.