Subrogation

In co-dependence denial the greatest ignorance is to reject substantive matter out of hand, yet insurance policyholders do it as preset course, unaware of their vulnerability till often too late.
The question is when will the 99% change course? The answer is when they are good and ready.

When an insurance company makes payment on a claim it may seek to be repaid from the wrongdoer or responsible party (someone other than the policyholder or person insured under the policy). Subrogation simply means you have given your right of recovery to the insurance company by virtue of their payment of your claim, so that they may be repaid:
—Standard Policy Numbered Lines 162-165.

"Subrogation is a windfall to the insurance company. It plays no part in rate schedules (or only a minor one),...it is arguable that since the insurance company is paid to take the risk of negligent losses, it should not shift the loss to another."
—Patterson, Essentials of Insurance Law (1935). Page 122

Full article in the book, "Policy Ensurance"