Auto Insurance Claims/Subrogation


Last December, my car was hit by the other car in highway. After fixing my car and paying deductible in January, my claim was closed. However, subrogation process is on-going for 2 months. According to my adjuster, my file is still open. In this situation, can I change car insurance company? (It is time to renew my contract and I want to change auto insurance company.)

 Hello Hellene,

Of course you can change your insurance company.  While you have not provided specific details, it appears that while the accident in question was not your fault, you chose to file a Collision claim with your own company.  This would have necessitated your paying the deductible.  Since your insurance company apparently does not believe that this accident was your fault, they have subrogated the other carrier for repayment of the damages.  The amount due would also include your deductible.  If the other company agrees to this, they will comply and you will receive a refund of your deductible.

None of this has anything to do with your subsequent decision to change companies.  If the subrogation process results in a refund of your deductible, you will receive your money regardless of where you are currently insured.  Everything reverts back to the situation on the date of loss.

Hope this clear up your confusion.

Jane Pytel

Auto Insurance Claims

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Jane Pytel


I can answer questions related to auto accidents, auto damage, auto theft claims, or personal injury claims. I am specifically suited to answer questions concerning insurance investigations and the effects of those investigations such as claim delays, claim denials, examinations under oath, or the special investigations unit. I can answer most any question that relates to proper claims investigations, or claims handling procedures and processes. I have authored several ebooks which provide claim guidance for consumers. Those books are available on Amazon Kindle: Power To Profit - will provide you with the knowledge you need to overcome the patterned obstacles that insurance companies will use to delay, devalue, or deny your valid insurance claim. The No Nonsense Guide to Accident Settlement - Teaches you how to manage your claim, how to identify the precise tactics likely to be used against you, and how you must respond.


12 years of experience with 3 major insurance companies. I hold an all lines adjusters license in Florida. I am well versed in claims handling, claims investigations, and industry standards related to both. The bulk of my experience stems from my 10 years as a police officer / detective. Building on that investigative experience, I became an SIU (Special Investigations Unit) Investigator. Accordingly, my unique expertise lies in the investigation of claims. What is necessary and related, what is not necessary and related? What constitutes a fair claims investigation? What recourse is available for consumers who suspect they are experiencing unfair claims delays? During the course of my experience, I became a certified trainer, instructing adjusters and investigators proper techniques for claims investigation and claims handling.

B.A., Communications, University of Miami 350 credit hours of intense investigative training, Miami Dade Police 80 hours of investigative training, various Federal Agencies, Miami, Fl Intensive Accident Reconstruction and Pedestrian Injury Analysis, NHTSA, National Highway Traffic Safety Agency, Oklahoma City, OK 2 weeks Auto Damage Appraisal, Winston Salem, NC Legal Principles Claim Specialist, AEI

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