Subrogation, sometimes called recovery, is the process by which an insurer seeks to recover claim costs from a person or organisation that may be responsible for the loss. This commonly happens after the insurer has paid or agreed to handle a covered claim.

How it can affect your claim #

Under the policy, the insurer may take over recovery rights to the extent of the payment made. You may need to assist by providing information, documents or evidence.

Useful evidence can include:

• contracts and invoices
• photographs, video and incident reports
• witness details
• emails and other correspondence
• expert, police or authority reports
• details of the responsible party and their insurer

Protect recovery rights #

Do not admit liability, agree to a settlement, sign a release or waive rights against another party without first speaking with Webber Insurance or the insurer. Doing so may affect the insurer’s ability to recover and could affect the claim.

The handling of an uninsured loss, an excess or any amount above the policy payment depends on the circumstances and policy terms. Ask us before approaching the other party directly.