Subrogation

Subrogation transfers, by law or contract, the insured’s claim against a liable third party to the insurer after payment of the insurance benefit, to the extent of that payment. It prevents double recovery by the insured and shifts the loss ultimately to the party responsible. In Swiss private insurance, subrogation is especially relevant in property, liability and accident contexts, subject to statutory limits and coordination with social insurance. It is linked to the indemnity principle and must respect the insured’s remaining rights and procedural position.