under the principle of subrogation, the insurer has the right to?

Under the principle of subrogation, the insurance company has the right to "take over any legal rights of the insured". This means that if the insurance company pays for a loss that was caused by a third party, the insurance company has the right to step into the shoes of the policyholder and pursue the third party for reimbursement. The idea behind subrogation is that the insurance company should not have to bear the loss if someone else is responsible for it. By exercising their right of subrogation, the insurance company can try to recover the money they paid out to the policyholder from the party that caused the loss.