In a situation of subrogation, what right does the insurer gain?

In a situation of subrogation, the insurer gains the right to recover the amount it has paid to the insured from the responsible party. This means that once the insurer has compensated the insured for a loss, it steps into the shoes of the insured and can pursue a claim against the party that caused the loss. The rationale is that the insurer should not have to bear the financial burden of a loss that was caused by someone else's negligence or wrongful act. This process helps to maintain fairness and accountability, as it holds the responsible party liable for their actions.

The other options do not relate to the concept of subrogation. Cancelling an insurance policy, increasing premiums, or refusing a claim pertain to the insurer's management of the insurance contract but do not involve the rights that arise from subrogation. Subrogation is focused specifically on the recovery of payment made in relation to a claim, ensuring that the financial responsibility is placed on the negligent party rather than the insurer or the insured.