Answer:
The correct answer is letter "B": subrogation.
Explanation:
Subrogation describes the right an insurance company has to ask for a refund of the expenses of the coverage of insurance to a third party -typically another insurance- that is also involved in an unfortunate event from where the insured was harmed.
Usually, the subrogating insurance prefers to take charge of the expenses to provide the insured immediate assistance but, after realizing the liability implied by the third party, the subrogating insurance requests a reimbursement. Subrogation is mostly applied to auto, healthcare and home insurance.
