subrogation

noun

sub·​ro·​ga·​tion ˌsə-brō-ˈgā-shən 

: the act of subrogating

specifically : the assumption by a third party (such as a second creditor or an insurance company) of another's legal right to collect a debt or damages

Examples of subrogation in a Sentence

Recent Examples on the Web

Senior founding partner of Gilson Daub, a leading workers’ compensation defense, subrogation, longshore and general liability law firm. —Brent Daub, Forbes, 11 Oct. 2022

An earlier version of this article quoted law professor Mr. Reiss as saying that only parents who are guarantors on a child’s loan can sue the child for repayment under the laws of subrogation. —Robyn A. Friedman, WSJ, 29 Sep. 2022

Right now, the subrogation negotiation still takes place between two humans. —Jeremy Kahn, Fortune, 2 Aug. 2022

The issue is related to a legal a process called subrogation where insurance companies can seize future payments to policyholders to reimburse themselves for having paid a claim. —Sudiksha Kochi, USA TODAY, 5 Aug. 2021

Landlords often have renters sign waivers, such as subrogation waivers that prevent legal action from insurance claims. —Jonathan Herpy, Forbes, 2 June 2021

Along with seeing utilities get out from under the burden of wildfire risk, insurers would effectively have to sign on for deep subrogation discounts on future fires. —Washington Post, 2 Apr. 2019

Indeed, the subrogation committee, without giving details, proposes a rights offering. —Washington Post, 20 July 2019

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Word History

First Known Use

15th century, in the meaning defined above

Legal Definition

subrogation

noun

sub·​ro·​ga·​tion ˌsə-brō-ˈgā-shən 

1

: an equitable doctrine holding that when a third party pays a creditor or obligee the third party succeeds to the creditor's rights against the debtor or obligor

also : a doctrine holding that when an insurance company pays an insured's claim of loss due to another's tort the insurer succeeds to the insured's rights (as the right to sue for damages) against the tortfeasor

called also equitable subrogation

2

: an act or instance of subrogating

where an insurer has acquired by an assignment or by subrogation the right to recover for money

—J. M. Landers et al.

Note: Subrogation can take place either by operation of law or by contractual agreement.