Concept:Subrogation means the insurer steps into the insured’s shoes after paying a claim.
Explanation:When an insured property is lost or damaged, the insurer first pays full compensation to the insured.
After this payment, the insurer legally gains the insured’s right to recover the loss from a third party.
This principle prevents the insured from claiming twice for the same loss.
It does not allow the insurer to cancel the contract or re-insure the property.
It also does not mean the insurer accepts all liabilities of the insured.
The insurer only takes over the legal rights that the insured could have used against the responsible party.
Answer:C. take over any legal rights of the insured.