What is the statute of limitations for subrogation claims?

• A. 5 years
• B. 2 years
• C. 6 months
• D. 1 year

Answer: (B)

Subrogation claims in California are generally treated as actions arising from a tort or fault of another party, rather than a simple written-contract dispute. The key timing question is when the claim accrues for the insurer’s right to recover the money it paid on behalf of the insured. That accrual usually happens when the loss occurs or when the insurer pays the claim, and from that point the insurer has two years to bring a subrogation action against the responsible party. So the statute of limitations is two years. The other option lengths don’t fit the typical basis for subrogation, which is not usually a short six‑month or one‑year period, and while some contract claims can extend to four years, subrogation most often hinges on a tort-based timeline, making two years the correct framework.