Subrogation is not a word you typically hear in casual conversation, but it’s something you ought to be aware of in case you have a car accident.  It is the process by which an insurance company seeks reimbursement from the person or entity legally responsible for an accident after the insurer has paid out money to, or on behalf of, its insured.  The general rule is that, after paying your claim, your insurer is “subrogated” to the rights of your policy and can “step into your shoes” to go after or sue the negligent party on your behalf.