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In this video tutorial, Prasad Parthiban discusses the behavior of subrogation, which is the right of insurance companies to pursue a third party responsible for insurance losses to the insured. For example, if there is a collision due to the negligence of a third party, the insured can file a claim with their insurance company. Once the deductible is paid, the insurance company covers the remaining amount. Subrogation allows insurance companies to recover the costs from the party at fault.