{"id":776,"date":"2026-10-12T06:40:31","date_gmt":"2026-10-12T06:40:31","guid":{"rendered":"https:\/\/totalloss.net\/index.php\/glossary\/subrogation\/"},"modified":"2026-10-12T06:40:31","modified_gmt":"2026-10-12T06:40:31","slug":"subrogation","status":"publish","type":"page","link":"https:\/\/totalloss.net\/index.php\/glossary\/subrogation\/","title":{"rendered":"Subrogation"},"content":{"rendered":"<section class=\"hero single\">\n<div class=\"hero-inner\"><span class=\"eyebrow\">Total Loss Network \/ Glossary<\/span><\/p>\n<h1>Subrogation<\/h1>\n<p class=\"lead\">The insurer\u2019s pursuit of recovery from a responsible party after paying a covered loss, subject to applicable rights, policy terms and law.<\/p>\n<\/div>\n<\/section>\n<p><main id=\"main\" class=\"core-body\"><\/p>\n<section class=\"module\" id=\"why-the-term-matters\">\n<h2>Why the term matters<\/h2>\n<p>Ask whether your deductible is included, whether recovery has occurred and how money will be allocated. Do not assume a broad made-whole statement answers every auto deductible question.<\/p>\n<\/section>\n<section class=\"module\" id=\"a-question-to-ask\">\n<h2>A question to ask<\/h2>\n<p>\u201cWhere does this term appear in my report or policy, and how does it affect this specific calculation or next step?\u201d Ask for a written explanation tied to the document.<\/p>\n<\/section>\n<section class=\"module\" id=\"read-the-full-guide\">\n<h2>Read the full guide<\/h2>\n<p><a href=\"https:\/\/totalloss.net\/index.php\/guides\/after-total-loss\/\">Continue with the practical guide<\/a><\/p>\n<\/section>\n<section class=\"module\" id=\"keep-exploring\">\n<h2>Keep exploring<\/h2>\n<p><a href=\"https:\/\/totalloss.net\/index.php\/glossary\/\">Browse all glossary<\/a> \u00b7 <a href=\"https:\/\/totalloss.net\/index.php\/states\/oregon\/\">Oregon claim guidance<\/a> \u00b7 <a href=\"https:\/\/totalloss.net\/index.php\/insurance-company-total-loss-claim-guides\/\">Find your insurer<\/a><\/p>\n<\/section>\n<p><\/main><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Total Loss Network \/ Glossary Subrogation The insurer\u2019s pursuit of recovery from a responsible party after paying a covered loss, subject to applicable rights, policy terms and law. Why the term matters Ask whether your deductible is included, whether recovery has occurred and how money will be allocated. Do not assume a broad made-whole statement [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":736,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-776","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/totalloss.net\/index.php\/wp-json\/wp\/v2\/pages\/776","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/totalloss.net\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/totalloss.net\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/totalloss.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/totalloss.net\/index.php\/wp-json\/wp\/v2\/comments?post=776"}],"version-history":[{"count":0,"href":"https:\/\/totalloss.net\/index.php\/wp-json\/wp\/v2\/pages\/776\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/totalloss.net\/index.php\/wp-json\/wp\/v2\/pages\/736"}],"wp:attachment":[{"href":"https:\/\/totalloss.net\/index.php\/wp-json\/wp\/v2\/media?parent=776"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}