The right of subrogation does not apply in all cases,but it is presumed to apply if it is not expressly excluded.

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The statement is true. The right of subrogation is a legal concept that allows an insurance company to step into the shoes of its insured and pursue a claim against a third party that caused a loss or damage. It is not always applicable, but it is often assumed to apply unless there is an explicit agreement stating otherwise.

The Right of Subrogation Does Not Apply in All Cases,but