保单结构与条款第 508 / 531 题
Subrogation is best defined as the insurer's right to:
a.Deny coverage after it has already paid the claim
b.Raise the insured's premium after paying a claim
c.Recover a paid claim from the negligent third party
d.Cancel the policy at any time for any reason at all
解析
Subrogation is the insurer's right, after paying a covered claim, to step into the insured's shoes and pursue recovery from the third party who caused the loss. It prevents the insured from collecting twice and helps hold the responsible party accountable, which supports the principle of indemnity. The insured must not do anything after a loss that impairs the insurer's subrogation rights.
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