All of the following statements about subrogation are true EXCEPT

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Subrogation allows an insurer to step into the shoes of the insured to recover costs from the party responsible for the loss. However, an insurer cannot subrogate against its own insureds because this would conflict with the principle of indemnity, which is to restore the insured to the position they were in prior to the loss, not to create a situation where the insured is liable to their own insurer.

All of the Following Statements About Subrogation Are True EXCEPT