What does subrogation mean in the context of PAP?

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Multiple Choice

What does subrogation mean in the context of PAP?

Explanation:
Subrogation in a Personal Auto Policy is when the insurer, after paying your claim, takes on your right to pursue the person responsible for the damage. Once the insurer covers the loss, they can go after the at-fault driver or that driver's insurer to recover the money paid to you. This keeps you from paying twice for the same loss and helps keep insurance costs down overall. It isn’t about canceling your policy, it isn’t you suing your own insurer, and it isn’t the insurer denying future coverage because of a claim.

Subrogation in a Personal Auto Policy is when the insurer, after paying your claim, takes on your right to pursue the person responsible for the damage. Once the insurer covers the loss, they can go after the at-fault driver or that driver's insurer to recover the money paid to you. This keeps you from paying twice for the same loss and helps keep insurance costs down overall. It isn’t about canceling your policy, it isn’t you suing your own insurer, and it isn’t the insurer denying future coverage because of a claim.

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