Subrogation may apply when you're involved in an accident for which it's determined another party is at least partially at fault. As an example, you're waiting at a stoplight, and your car is rear-ended. You file a claim under your collision coverage and receive a check from your insurer that covers the cost of repairs, minus your deductible. Your insurer may then act on your behalf to seek compensation from the at-fault driver's insurance that equals the amount they paid to you to cover your claim; this is the process of subrogation. If your insurer is successful, they may use the funds received from the other insurance company to reimburse you for all or a portion of your deductible.