Subrogation Lawyer Manual

Subrogation refers to the insurance company’s right to recover money it pays to its insured, under first-party coverage, from third parties allegedly at fault. In other words, the insurance company goes after the alleged at fault party after it pays out to an insured under a first party coverage.

The first party insured is the subrogor, as he subrogates his rights to the insurance company. The insurance company is the subrogee. The insurance company is supposed to collect any deductible paid by the insured, as well as recover amounts it paid under the policy. The insured has to cooperate and participate in the litigation if needed.