Subrogation in automobile insurance means that if an insured's negligence results in his insurer paying a liability claim to an injured third party,once the claim is paid the insurer can sue its negligent insured.

Question

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Subrogation allows the insurer to pursue a third party that caused an insurance loss to the insured, not to sue its own insured.

Subrogation in Automobile Insurance Means That If an Insured's Negligence