If you are involved in a car accident you may eventually encounter what is known as subrogation. Subrogation refers to an insurance company's right to be repaid for claims on which it has made a payment. If an insured sustains a loss and the insurance company pays on a subsequent claim, the insurance company could become a subrogated party. A subrogated party may initiate a lawsuit on their own or join into a lawsuit initiated by someone else. How subrogation affects you depends on whether the accident was your fault or another party's fault.
The term, "personal injury" is often used, but what exactly does it mean? "Personal Injury" is a blanket term for cases and legal actions relating to harm suffered by one or more individuals. Lawsuits stemming from bodily harm sustained by car accidents, slip and falls, dog bites, defective products, or other incidents
involving a lack of due care would all be considered personal injury cases.