Insurance 101 – Volume 43 – Subrogation


“Subrogate” means “substitute.” When an insurer pays a claim on behalf of the insured it substitutes its money for that of the insured. An insurer who pays indemnity to its insured for a loss caused by the tort or other legal obligation of another is paying the debt of the insured and is entitled to all of the rights of the insured.

The following video was adapted from my book, “Insurance Claims A Comprehensive Guide” Published by the National Underwriter Company and is available at the Zalma Insurance Claims Library.

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The author and publisher disclaim any liability, loss, or risk incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this blog. The information provided is not a substitute for the advice of a competent insurance, legal, or other professional. The Information provided at this site should not be relied on as legal advice. Legal advice cannot be given without full consideration of all relevant information relating to an individual situation.

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