Subrogation refers to the process an insurance company uses to seek reimbursement from the responsible party (or their insurance ...

Subrogation refers to the process an insurance company uses to seek reimbursement from the responsible party (or their insurance company) for a claim it has already paid. The applicability of subrogation in any individual case depends on the circumstances surrounding the incident, the laws in the applicable state, and the policy provisions.  The insured is obligated to cooperate with the insurance company in the investigation phase of the claim process. This includes helping to establish important facts, preserving evidence, and anything that may be deemed to speed up the recovery process. It is important for the insured not to take any action that may waive rights to recovery.  Also note that there is frequently shared responsibility,(called "comparable negligence", which means that multiple insurance companies may be involved from different aspects.  We can be the "initiator" of subrogation and at the same time be the "target" of Subrogation.