How to avoid predatory subrogation after a car accident?
Problem #2. Your insurance company knows this and unethically (and sometimes illegally) rushes to subrogate repair costs from the at-fault company before you even had a chance to make your claims. But according to the legal "made whole" doctrine, you have claim priority, not them, and they must wait.
A. Repair the vehicle through your own insurance company. But at your favorite body shop, not theirs! Just have them pay for it under your Collision policy coverage. Obviously, this isn't an option if you don't have Collision coverage.
B. Tell your insurance company to cease all subrogation claim activity until your claims with the at-fault company are handled.
C. Tell the at-fault insurance company to not subrogate before your claims are handled.
D. Claim diminished value, your deductible, etc. with the at-fault insurance.