If you are in a motor vehicle crash and you have collision coverage with your automobile insurance company, your insurance company may pay for the damages to your vehicle regardless of who was at fault. This is often done as a matter of convenience and to expedite payment.  If another driver or entity is at fault, your insurance company will then make a claim for reimbursement against the other driver and his or its automobile liability insurance company.  This is called subrogation.              In Pennsylvania, your insurance company will include in its subrogation claim your deductible, if any.  If your insurance company … [Read more...]