This will be long and ridiculous. I’m aware of the issues on his end, I simply need advice to get through this situation the best we can. Please be gentle, I am stressed enough with this going on and a baby on the way.
Accident occurred in WA state. We live in WA state.
My husband was in an accident last June. A car was at a stop on a blind corner; he was traveling the speed limit and road conditions were okay. The driver did not have any hazard lights or anything. The car was not reasonably visible. He did not have time to stop, and he struck the corner of the other car in his attempt to avoid it.
Insurance situation:
His insurance: a non – owner SR22 policy filed in Oregon.
Owner’s Insurance – full coverage.
Other party’s insurance – full coverage.
He spoke with their insurance company and gave his statement. He spoke with each of the owner’s insurance policies and gave statements as well. He does have pictures of the accident. The goal was for his SR22 insurance to cover the accident. He asked for denial of coverage from the owner’s policy so that responsibility will be passed along to the SR22 insurance company.
It’s been almost a year since the accident without us hearing anything from any of the insurance companies. We assumed the insurance paid (our mistake obviously, shouldn’t have assumed). Out of the blue we receive a subrogation bill for $35k. We contacted the other party’s insurance but couldn’t speak with that specific claim adjustor. The one we spoke to said that they don’t have any record of speaking with my husband or receiving a statement – which is wild because he spoke to all the companies’ multiple times about the incident. We are very adamant that this accident is at least shared fault, as the other vehicle was stopped illegally on the roadway and blocked from view.
The claim states that the car was totaled, which is incredibly hard for us to believe. The car my husband was driving took significantly more damage and it was only the rear corner bumper of the other that was hit.
On the subrogation letter, it lists the loss date as 6/17/2025. On the website, it lists the date of the incident as 11/10/2025 which is incorrect. Unsure if this matters.
Again, I am just looking for advice on how to move forward with this in the best possible way for us. Taking on 35k in debt will force us into a bankruptcy, which we cannot afford with a baby on the way right now. Any advice is much appreciated.
Complicated Subrogation Claim & Insurance Situation – need advice.
byu/Turbulent-Condition8 inInsurance
Posted by Turbulent-Condition8
2 Comments
Give the demand to whichever, or both. Insurance companies that were covering your husband at the time of the collision, they should be able to tell you what to do beyond that.
If you’ve received a subrogation notice, the insurance you need to talk to are your own. The other insurance can’t help you with that. So find out if they’ve received the subrogation and what coverage is being provided.
I’m not clear why you want the owner’s insurance to ‘deny’ coverage. Who owned the car? Why was he driving it?
That’s not how insurance works. Insurance primarily follows the vehicle, so if he had no reason to not be provided coverage for the loss, he was driving the car, therefore, he is covered by the insurance. His insurance would be excess coverage.
The bigger issue here could be policy limits.