Legal Question in Insurance Law in Colorado

Re: Subrogaton

It means that the insurer who paid you takes your rights, to the extent of payment, and asserts them against whoever else you could assert them against. The insurer, in effect, buys your claim when it pays you. There may be state laws prohibiting this regarding personal injury since those types of claims are not saleable or assignable in some states. And there are many circumstances where the insurer cannot subrogate so remains unreimbursed, which is what you paid for with your premiums.