What is a subrogation?
Subrogation literally means to substitute one person for another. The term refers to when an insurer, having settled an insurance claim for lost/stolen property, becomes entitled to property if it is recovered.
What is a subrogation interest?
A subrogation interest is a link recorded between an insurance company and a crime incident property item.
It indicates that the Queensland Police Service (QPS) should electronically notify the insurance company if either:
- property item is recovered
- crime is solved.
Any number of insurance companies may record an interest in an item for an incident.
An insurance company may remove an interest to indicate that they no longer need notifications. Interests in the crime and property are recorded by default when someone records a subrogation right.
What is a subrogation right?
A subrogation right is a link recorded between an insurance company and a crime incident property item. It indicates that the insurance company has claimed legal ownership of the item.
A subrogation right is exclusive. Only one insurance company may record a current right for an item for an incident.
An insurance company may remove a right to show they’ve withdrawn their claim.
Will a charge incur for registering a subrogation interest or right?
No charges incur for adding or removing an interest or right.
How does an insurance company record an interest or a right?
From the Qld property crime reports menu, select subrogations. Enter the claim/file number and QP number of the crime incident and search.
The Qld property crimes subrogation summary will display. This will contain the following information:
- date/time of the incident
- police station
- police division
- class of the crime
- complainants name
- location where the incident occurred
- name of any insurance company that has subrogation rights over property items in the crime
- a list of property items with descriptions and remarks.
An insurer can add an interest or right to all property items recorded on the report. Select ‘Add all interests’ or ‘Add all rights’ under ‘Subrogation actions’.
An insurer can also add a right and/or interest to specific property items.
If an insurance company has recorded interests in any crime incidents, and those crimes are solved, or property is recovered, you can obtain an online notifications list. A charge incurs for the notifications list.
How do I remove interests and rights?
An insurer can only remove an interest and/or right to specific property items. Select ‘Remove interest’ or ‘Remove right’ under ‘Subrogation actions’.