/liːɡəl ˌsʌbrəˈɡeɪʃən/ – Phrase
Definition: việc thế quyền theo luật định.
A more thorough explanation: Legal subrogation is a principle in insurance law where an insurer who has paid a claim to its insured is entitled to assume the rights of the insured to recover the amount of the claim from a third party who is legally responsible for the loss. This allows the insurer to “step into the shoes” of the insured and seek reimbursement from the responsible party.
Example: In the case of a car accident where the driver is at fault, the insurance company may pursue legal subrogation to recover the costs of damages paid to their policyholder from the at-fault driver’s insurance company.