What is subrogation and how does that affect the municipalitys claim?
Subrogation is a term used when PACIF attempts to recover damages from a party that is responsible for causing a loss to one of our members. If PACIF reimburses a municipality for damages as a result of a claim and our investigation of that claim reveals that another party (someone other than the municipality) is responsible for those damages, we will pursue reimbursement for those damages from the responsible party. If PACIF is successful in our subrogation attempt, we will then reimburse the municipality for any deductible amount paid for the specific claim.
