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How Long Should it Take to Get a Deductible Back?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 01/21/2013

Getting your deductible back through the subrogation process can take a varied amount of time.

Question: After an at-fault accident, where the other party admitted fault, how long should it take to get my deductible back since our insurance company paid for the repairs?

Answer: Unfortunately, the only laws that are in place for subrogation is how long an insurance company has to file a subrogation claim with the other insurance company. How long it will take to get your deductible back from the other insurance company always varies due to the other insurance company’s policies, as well as fault being assigned.

If the other party has already admitted fault to their insurance company, getting your deductible back should not take long. However, subrogation goes through the following process which does take time:

  1. Your insurance company has to send the subrogation claim to the other company.
  2. The other insurance company has to accept the claim and investigate.
  3. The other insurance company has to accept fault after their investigation and then approve payment.
  4. Payment is sent to your insurance company.
  5. Your insurance company finally sends you a check.

If your subrogation claim has been in process for a while, you need to contact your insurance company to find out the status.


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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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