Who can initiate the subrogation process in case of a covered loss?

The initiation of the subrogation process primarily falls to the insurer after they have paid a claim to their policyholder. Subrogation allows the insurer to step into the shoes of the insured to recover the costs it has incurred when reimbursing the insured for their covered losses. When the insurer pays the claim, they acquire the right to pursue recovery from the party responsible for causing the loss or their insurance company. This process helps to ensure that the financial responsibility for the loss ultimately rests with the at-fault party rather than the insurer or the insured individual, promoting fairness in the handling of claims.

Other parties, such as the injured party or their legal representatives, may have an interest in the outcome of the subrogation process, but they do not hold the primary authority to initiate it. The at-fault party's insurer may be involved once the process is underway, but they do not initiate subrogation on behalf of others. Thus, the correct entity to start the subrogation process is the insurer that has already compensated the insured for their loss.