What is Subrogation?

Subrogation is a legal process by which insurance companies and employers recover funds for valid claims paid to their clients which were the responsibility of another party. When a claim results in benefits being paid under the policy, then the insurer or employer who paid the claim is entitled to assert a claim against the responsible individuals or entity to recover the amounts paid on that claim for which the defendant is  liable. With insurance subrogation, there are three parties involved: the insured; the insurer; and the tortfeasor (the party who is responsible for the damages). Under subrogation, the insurance company assumes the right to sue the tortfeasor for the amount of the damages paid to the insured.

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