Where an insurer pays indemnity to an insured, the insurer could have a right of salvage and will have a right of subrogation if a third party caused the damage.

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When an insurer pays an indemnity to an insured for a loss caused by a third party, the insurer typically acquires the right of subrogation, allowing them to pursue recovery from the responsible third party. Additionally, the insurer may have a right of salvage concerning the damaged property, permitting them to take possession of the property and sell it to offset their loss payment.

Where an Insurer Pays Indemnity to an Insured, the Insurer