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hi everyone this is prasad parthiban today im going to take a training on behavior of subrogation first lets look at what is mean by subrogation subrogation is nothing but the right held by the insurance companies to legally pursue a third party that caused the insurance laws to the insured lets take an example assume that you have a personal auto policy and there is a coalition damage as a result of the negligence of the third party when i say third party someone else who kind of know was responsible for this collision now as an insured you create a claim to the insurance company to your insurance company and they make the payment where once you make the detectable amount the remaining payment will be made by your insurance company to you for example if the detectable on your policy is 500 and if the total loss is 5 000 once you make that 500 detectable the insurance company is going to make you the payment of 4500 now in this scenario it was not your fault it was the fault of the
