Wikipedia defines subrogation this way: The substitution of one person or group by another in respect of a debt or insurance claim, accompanied by the transfer of any associated rights and duties. In effect, subrogation is the process where your insurance company acts on your behalf to file a claim with the person who was at fault, or their insurance company if one is involved.
Subrogation is typically used in Personal Injury Protection, or No-fault insurance. The term refers to an insurance company seeking reimbursement from another insurance company or the at-fault person in an accident. Since your insurance company automatically took responsibility for the injuries involved, they use subrogation as a method of resolving the matter of fault without resorting to legal conflicts and expensive court battles as would be the case under the traditional tort system of insurance.
The basic premise of subrogation is that your insurance company is pair to provide you and your passengers with the immediate medical care you need after an accident that is not your fault. Once the medical needs of the injured have been addressed, your insurance company would then file a claim with the insurance company of the driver was found to be at fault, and the two insurers negotiate the settlement to the satisfaction of both.
If you live in a state that uses the no-fault system of car insurance coverage, you can shop online for the best coverage at the best rates. Online insurance quotes will let you compare an identical policy between multiple insurance companies, without ever leaving your home or office. And if you find better coverage or rates than what you are already paying, you can even apply for coverage right away and print out your new insurance cards for immediate use.