There is no single nationwide deadline.
Subrogation can stay open while insurers sort out responsibility, coverage and repayment. That means there is no honest “you'll have your deductible back in 30 days” answer.
What can slow it down?
Recovery can take longer when:
- fault is disputed
- the other driver's coverage is unclear
- the other insurer has not paid
- important accident information is missing
- only part of the loss can be recovered
How do I know if anything is happening?
Ask your claim handler:
- Has the subrogation demand been sent?
- Did it include my deductible?
- Has the other insurer responded?
- Has any money been recovered?
- When will I receive another update?
State communication rules
Some states have their own communication rules.
For example, Washington requires insurers pursuing auto subrogation to update the insured within 60 days after the process begins and at least every 180 days while the insured's interest remains unresolved.
That is a Washington communication rule — not a nationwide deadline for completing subrogation.
Can I get my $2,500 deductible back? →
Subrogation and deductible rules are set by your state. Open your state and jump straight to what we have verified.