What duties does the insured have to support subrogation after a loss?

• A. It requires the insured to obtain a court order before any subrogation action.
• B. It requires the insured to maintain confidentiality about subrogation.
• C. It requires the insured to cooperate with the insurer to support subrogation efforts after paying a claim.
• D. It requires the insured to waive all subrogation rights in advance.

Answer: (C)

Cooperating with the insurer to support subrogation after paying a claim is essential because once the insurer covers a loss, it steps into the insured’s rights to recover those costs from the third party responsible. The insured’s cooperation—sharing facts, documents, and records; helping with investigations; not settling with the other party without the insurer’s consent; and avoiding actions that could prejudice the subrogation process—keeps the claim alive and strengthens the insurer’s ability to prove liability and damages. Subrogation doesn’t require a court order first, confidentiality isn’t the primary obligation, and subrogation rights aren’t meant to be waived in advance.