Subrogation is the act of replacing one creditor with another and having the replacement creditor succeed to the original creditor's legal rights.
Title insurers frequently employ subrogation to obtain the damaged party's rights to litigate (to recoup claims they have already paid). Contrast this with a judgment, which is a court order directing the payment of money, a subordinate agreement, which alters the order of the liens to be paid under specific circumstances, and granting terms, which have to do with transferring property ownership.
The insurance company will continue to mail demands for repayment if you decide not to pay a subrogation. Once more, they might accuse you in court. If a subrogation waiver is present, it may be possible to avoid an attempt to subrogate from the victim's insurance provider.
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