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This gain in domestic control can be accomplished without subrogating the effort to achieve privatization or moving backward toward a government monopoly.
Of primary importance to any insured is the fact that, subject to a few exceptions, both the common law and the standard automobile policy prevent the insurer from subrogating against its own insured.
Despite the clear language of the contractual insurance language, subrogating carriers are often accused of trying to take money out of their insureds' pockets when a settlement is reached.