what is subrogation 
subrogation is a term describing the right held by most insurance carriers to legally pursue a third party that caused an insurance loss to an insured this allows the insurance carrier to recover the amount of the claim it paid to the insured for the loss understanding subrogationsubrogation refers to the act of one person or party standing in the place of another person or party it effectively defines the rights of the insurance company both before and after it has paid claims made against a policy also it makes the process of obtaining a settlement under an insurance policy easier 