DOCTRINE OF SUBROGATION. Evolution: The doctrine of subrogation is normally arises in the contract of insurance. The term subrogation is derived from the Latin term sub which means “under” and rogate means “to ask”. The contract of insurance had the elements of subrogation which is the fundamental principle in case of loss. This doctrine is applicable to all property and liability but not applied to personal accident and life insurance policies though they are not the contract of indemnity.

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