# Subrogation and recovery

URL: https://insurancelawestonia.ee/tags/subrogation/
Author: Dr Olavi-Jüri Luik, Partner, Head of Insurance Law, attorney at law (Advokaadibüroo WIDEN OÜ)

> A selection of pages on this site that deal with Subrogation and recovery (27 pages): Estonian insurance law articles, guides and explanations.

A selection of pages on this site that deal with "Subrogation and recovery".

- [AI liability and autonomous cars: will insurance replace tort?](https://insurancelawestonia.ee/blog/2026-11-01-ai-liability-autonomous-vehicles-insurance): Autonomous vehicles, liability gaps and motor insurance in Estonia and the EU: mandatory cyber, product liability, MID reform or no-fault? Luik and Kinkar.
- [CAR/EAR and construction insurance claims in Estonia](https://insurancelawestonia.ee/guides/car-ear-construction-claims): Contractors' and erection all risks claims in Estonia: insured parties, defects and LEG clauses, contractor liability, time limits, recovery and disputes.
- [CJEU: applicable law, recognition and recourse](https://insurancelawestonia.ee/court-of-justice-eu/applicable-law-recognition-and-recourse): 8 judgments of the Court of Justice of the EU on applicable law, recognition and recourse: summaries, paragraphs and links.
- [CJEU: victim protection and insurer defences in motor insurance](https://insurancelawestonia.ee/court-of-justice-eu/mtpl-victim-protection-and-insurer-defences): 12 judgments of the Court of Justice of the EU on victim protection and insurer defences in motor insurance: summaries, paragraphs and links.
- [Cargo and CMR claims in Estonia: insurers' recovery guide](https://insurancelawestonia.ee/guides/cargo-cmr-claims): Cargo insurance and carrier liability in Estonia: VÕS carriage rules, CMR for international road transport, limits, notice, time bars.
- [Choice of law and jurisdiction for insurance contracts in Estonia](https://insurancelawestonia.ee/guides/choice-of-law-jurisdiction-insurance-estonia): Rome I art 7 and Brussels I bis Section 3 applied to Estonian risks: large and mass risks, location of risk, compulsory insurance, jurisdiction clauses.
- [Crime and fidelity claims in Estonia: payment and employee fraud](https://insurancelawestonia.ee/guides/crime-fidelity-claims-estonia): Invoice fraud, CEO fraud, social engineering and employee theft under Estonian law: bank liability for payments, recovery.
- [D&O, cyber, crime, liability and war-risk claims in Estonia](https://insurancelawestonia.ee/specialty-lines): Counsel for insurers writing D&O, liability, crime, cyber and war risks into Estonia and the Baltics: investigations, representation, expert opinions.
- [Direct action against liability insurers in Estonia](https://insurancelawestonia.ee/guides/direct-action-liability-insurers-estonia): When can an injured party sue an Estonian or foreign liability insurer directly? VÕS §§ 517–525, motor insurance, Rome II art 18.
- [Enforcing judgments and recovering debts in Estonia](https://insurancelawestonia.ee/guides/enforcement-of-judgments-recovery): Enforcement in Estonia for insurers: EU judgments without exequatur, arbitral awards, bailiffs, interim measures, asset searches.
- [Estonian Supreme Court: motor third-party liability (MTPL)](https://insurancelawestonia.ee/supreme-court/motor-third-party-liability): Estonian Supreme Court (Riigikohus) insurance case law: compulsory motor third-party liability insurance. Summaries in English with links.
- [Estonian Supreme Court: subrogation and recourse](https://insurancelawestonia.ee/supreme-court/subrogation-and-recourse): Estonian Supreme Court (Riigikohus) insurance case law: subrogation (VÕS § 492) and recourse. Summaries in English with links.
- [Estonian insurance law FAQ for insurers, brokers and TPAs](https://insurancelawestonia.ee/faq): Answers to frequent questions on Estonian insurance law: applicable law, mandatory rules, disclosure, warranties, notice, declinations, limitation.
- [Guides to Estonian insurance law for foreign insurers](https://insurancelawestonia.ee/guides): Practical guides on Estonian insurance claims for insurers, Lloyd's syndicates, MGAs, brokers and TPAs: motor, liability, financial lines, disputes.
- [Insolvency of a policyholder or tortfeasor in Estonia](https://insurancelawestonia.ee/guides/insolvency-of-policyholder-or-tortfeasor): What happens to insurance when a policyholder, insured or tortfeasor goes bankrupt in Estonia: claims filing, injured party priority, cancellation, D&O.
- [Insurance counsel: Estonia, Latvia, Lithuania | Olavi-Jüri Luik](https://insurancelawestonia.ee/): Estonian, Latvian and Lithuanian insurance law counsel for insurers, reinsurers and MGAs; also open to Lloyd's: coverage, claims, subrogation, D&O, cyber.
- [Insurance law principles and theories](https://insurancelawestonia.ee/estonian-insurance-contract-law/principles-and-theories): Eight principles of insurance law and 47 theories from foreign law and economics: country of origin, content, limits and relation to Estonian law.
- [Limitation periods for insurance claims in Estonia](https://insurancelawestonia.ee/guides/limitation-periods-insurance-claims-estonia): Insurance claim limitation in Estonia: VÕS § 475 three-year period, suspension on notice, ten-year cap, one-year period to sue.
- [MTPL and Green Card claims in Estonia: handling guide](https://insurancelawestonia.ee/guides/mtpl-green-card-claims): Handling motor third-party liability and Green Card claims in Estonia: visiting vehicles, correspondents, the Traffic Insurance Fund, deadlines.
- [Motor claims in Estonia: a guide for foreign insurers](https://insurancelawestonia.ee/guides/motor-claims-estonia-foreign-insurers): Estonian MTPL for foreign insurers: Green Card, Council of Bureaux, the Estonian Traffic Insurance Fund, claims representatives, deadlines, recourse.
- [Services for insurers, reinsurers, MGAs, brokers and TPAs](https://insurancelawestonia.ee/services-for-insurers): Local and panel counsel in Estonia: coverage opinions, claims support, reservation of rights, subrogation, litigation, breach coach, D&O, crime.
- [Subrogation and recovery in Estonia: a guide for insurers](https://insurancelawestonia.ee/guides/subrogation-recovery-estonia): How subrogation works under VÕS § 492, what defences Estonian tortfeasors raise, limitation, waivers, joint liability and motor recourse claims in Estonia.
- [Subrogation and recovery services in Estonia for insurers](https://insurancelawestonia.ee/services-for-insurers/subrogation-and-recovery): Recovery for insurers in Estonia: subrogated claims against tortfeasors, carriers, contractors and liability insurers; enforcement.
- [Subrogation under Estonian insurance law (VÕS § 492)](https://insurancelawestonia.ee/estonian-insurance-contract-law/subrogation): Statutory transfer of the insured's claim to the insurer under VÕS § 492: scope, waivers, family privilege, limitation.
- [Supreme Court of Estonia: insurance law case law 2001-2026](https://insurancelawestonia.ee/supreme-court): Map of Estonian Supreme Court (Riigikohus) insurance decisions 2001-2026 by topic, with English summaries and links to the judgments.
- [Surety and credit insurance in Estonia: a guide for insurers](https://insurancelawestonia.ee/guides/surety-and-credit-insurance-estonia): Surety bonds and trade credit insurance under Estonian law: licensing, VÕS § 427(2)5 freedom of contract, guarantee vs suretyship, beneficiary claims.
- [W&I insurance in Estonia: a guide for insurers](https://insurancelawestonia.ee/guides/warranty-and-indemnity-insurance-estonia): W&I insurance for Estonian deals: the SPA under Estonian sales law, knowledge and fraud, limitation, no-claims declarations and large risks.