Subrogation Lien

The insurer’s claim on any money you recover from an at-fault party, up to what it paid you — so you can’t collect twice for the same loss.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.