What is the right of subrogation in civil law?

In civil law, the right of subrogation is the process by which one party substitutes a debt or obligation of another party, usually a third-party, in order for the substituted party to receive the benefit of payment or satisfaction of the substituted debt. This means that the party who does not owe the debt or obligation is now responsible for it. For example, in Oregon, an insurance company may have the right of subrogation. If an insured person files a claim with his/her insurance company and the insurance company pays the claim, the insurance company then has the right to pursue the responsible third-party to recover the amount they paid out. In Oregon, the right of subrogation is covered under ORS 743.018, which states that an insurance company has the right to look to the responsible third-party for reimbursement for any payment they made to the insured party. In these cases, the insurance company acts as the legal representative of the insured in order to recover the damages. The right of subrogation is important for ensuring that the parties responsible for a debt or obligation pay for it. It also helps ensure that victims receive the compensation they deserve and prevents one party from bearing more of the debt or liability than the other.

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