Subrogate in a sentence as a verb

Auto insurance has a negative EV, but when my carrier subrogated when someone rear-ended me it was useful and convenient.

Quadruply so if there are prior citations/accidents?****, with a spotless driving record, my own insurance went up when someone t-boned me. Other driver was at-fault and I subrogated their insurance; didn't claim with mine.

Subrogate definitions

verb

substitute one creditor for another, as in the case where an insurance company sues the person who caused an accident for the insured