how does subrogation affect claims payments 
subrogation allows the accident victim s insurance company to pay claims immediately to their client allows the insured to receive payments more quickly their insurance carrier then seeks to recover that amount from the at fault party or their insurer the bottom linesubrogation allows insurance carriers to legally pursue claims a third party that caused an insurance loss to one of its insureds this enables the insurer to pay claims files by its insurers sooner and then recover the claim amount from the parties who are at fault for the loss subrogation allows insured to receive payments sooner and helps keep their premiums low 