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[Music] so one of the most important insurance terms that you need to know and understand is subrogation and subrogation is a real important term to know because it can literally help you get money back from your insurance policy so in this video im going to explain to you what subrogation is and how it helps you when youre dealing with insurance companies so subrogation is the process when your insurance company can request repayment from another insurance company based off the damages that the other insurance companies policyholder did to you subrogation can take place lets say if a roofing contractor misinstalls or improperly installs your roof on your property and the roof caves in causing damage to the rest of your home or if a washing machine is improperly manufactured and it causes water damage to your floor while its running but the most common scenario when subrogation comes into play is when youre in an automobile accident with another driver so lets look at an example