Legal & Jurisdiction
Anti-Subrogation Rule
The anti-subrogation rule bars an insurer from pursuing subrogation against its own insured, you cannot subrogate against the very party you insure.
An insurer cannot step into a claim to recover from a party that is itself an insured under the same policy; doing so would be recovering from its own customer. The rule commonly arises with additional insureds and co-insureds, and screening for it early prevents pursuing a claim that is barred from the start.
See also