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Understanding Subrogation: What Happens When
Insurance Companies Ask for Reimbursement
After an accident—whether it’s a car crash, a personal injury, or something else—the first thing
most people do is file a claim with their insurance company. This helps cover medical bills or
repairs without having to pay everything yourself. But if someone else caused the accident,
there’s something called subrogation that might come into play.
Subrogation basically means the insurance company may try to get back the money they paid
for your treatment or repairs from the person responsible. It’s a key part of how insurance works
and can affect how much money you end up with from a settlement. Having a personal injury
lawyer in Las Vegas by your side can help protect your rights and make sure you receive the full
compensation you deserve.
What Is Subrogation and How Does It Work?
Subrogation is a process that allows insurance companies to recover some of the money
they’ve already paid after an injury or accident. This helps prevent someone from getting paid
twice for the same expenses.
For example, after a car accident, a person files a claim with their own insurance to cover
medical bills and other costs. If someone else caused the accident, the insurance company can
then seek reimbursement from the at-fault driver’s insurer. They have the legal right to do this
on behalf of their policyholder.
When the other insurance company pays back, the money goes directly to the first insurer to
cover what they already paid. If the injured person paid a deductible, they may also get that
amount refunded.
How the Subrogation Process Works After an Accident
If you’re in an accident that wasn’t your fault, having a personal injury lawyer in Las Vegas
involved early on can really help protect your rights. They’ll watch over the subrogation process
to make sure you get the money you deserve.
1. Filing Your Claim: The first thing you need to do after an accident is file a claim with
your own insurance company, no matter who caused it. The subrogation process won’t
start until this claim is filed and settled.

2. Figuring Out Who’s Responsible: Next, it’s important to find out who caused the
accident. This could be another driver, a business if it’s a slip-and-fall, or even a
company if a product was faulty.
3. Insurance Companies Talk It Out: Once the responsible party is clear, your insurance
company will negotiate with the other insurance company. They’ll work to get back the
money they paid for your medical bills or repairs, including the deductible you paid.

4. Getting Paid Back: After the negotiations are done, your insurance company will
receive the money they covered for your case. Plus, you might get your deductible
refunded, which is a big help if your deductible was high.

Common Insurance Policies That Involve Subrogation
Many different kinds of insurance policies use subrogation to make sure the person responsible
for the accident pays for the damage. At the same time, it helps the insurance company get
back the money they covered upfront. Some of the most common types of insurance that use
subrogation are:
● Health insurance

● Auto insurance

● Worker’s compensation

●
Insurance for drivers who don’t have enough coverage (or any at all)
How Subrogation Impacts Personal Injury Claims in Las Vegas
If you’re pursuing a personal injury claim with the help of a Las Vegas lawyer, subrogation might
come into play. Your attorney can make a big difference in how this process is handled,
potentially helping you recover more compensation than if you just rely on your insurance
company.
Instead of letting your insurer sort things out with the at-fault party’s insurance, filing a personal
injury claim can lead to a larger payout. Here’s why this can be a smart move:
● You might recover non-economic damages, like pain and suffering, emotional distress, or
loss of enjoyment of life—things that regular insurance often doesn’t cover.

● You can also seek compensation for financial losses that your insurance might not fully
cover, like lost wages, ongoing medical bills, and out-of-pocket expenses.

●
If the accident involved severe negligence or intentional harm, you might even be eligible
for punitive damages.


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However, keep in mind that even if you win a larger settlement, your insurance company might
still try to get back what they paid on your behalf through subrogation. Having a knowledgeable
attorney by your side can help ensure they only take what they’re actually entitled to, so you
keep as much of your settlement as possible.
Support for Your Subrogation Case
If you’ve been in an accident, having an experienced personal injury lawyer on your side can
make a big difference. With years of experience handling complex claims, including those
involving subrogation, a skilled attorney can help ensure you receive the compensation you
deserve.
Don’t go through this process alone—having the right support can provide peace of mind as you
work to recover and move forward.

Benson & Bingham Car Accident & Personal Injury Lawyers
626 S 10th St
Las Vegas, NV 89101
Phone: (702) 382-9797
Website: https://www.bensonbingham.com/