👉 In the context of insurance, a "subrogation" is a situation where an insurer has been called upon to pay for losses or damages that are not covered by the policy. This means that the insured may be required to cover the costs associated with the loss, even if there were no prior agreement between the parties involved. For example, suppose a homeowner's insurance policy is issued to their home, and they have a car insurance policy covering it as well. If the homeowner's car was hit
