Subrogation means the transfer of all the rights and remedies available to the insured in respect of the subject matter to the insurer after indemnity has been effected.
Subrogation is a term that describes the right reserved by most insurers to legally follow a third party who has caused the loss of insurance to the insurers.
It allows the insurer to recover costs, including your deductible, from the fault person's insurance company, if the accident was not because of your fault.
This is done with the intention of recovering the amount of the claim paid by the insurer. It means your refund and your insurance.