What happens when a policyholder is considered to be not-at-fault for an accident?
When a policyholder is considered to be not-at-fault for an accident, Electric Insurance will make every attempt to reimburse the insured’s deductible as soon as possible. In most cases, the subrogation process occurs at the same time as the repair. The Subrogation Department will attempt to recover the insured’s deductible, vehicle repair costs, and covered rental expenses. In some states, medical expenses are included. If a negotiated settlement is reached with the other insurance company for less than 100% (based on negligence), we will refund the deductible based on the percentage figure. Subrogation can be a lengthy process and may take an average of 60-120 days. Our representatives can explain this process to you in more detail if needed.
