Subrogation is a term written into your insurance contract.  It requires you to reimburse your insurance company for any money it paid out for medical treatment for the injuries that you suffered from the at-fault driver, if you are able to obtain a recovery from the at-fault driver.  This duty generally applies when an insurance company pays for something (like a medical bill) on your behalf, and then someone else (the at-fault person or their insurance company) pays you for that same bill – then, you may have an obligation to pay back money you originally received from your insurance company.  This money will come directly from any settlement or recovery that you make.