What happens if the insurer pays less than the full amount of the loss in a subrogation case?

In a subrogation case, if the insurer pays less than the full amount of the loss, the policyholder retains the right to pursue the responsible party for the remaining damages. This principle of subrogation allows the insurer to step into the shoes of the policyholder after making a payment, enabling them to seek reimbursement from the party at fault. However, if the insurer's payment does not cover the total loss, the policyholder is not precluded from claiming the excess amount directly from the responsible party. This process ensures that the party who caused the damage is held accountable for the full extent of the loss, rather than just the amount that the insurance company has chosen to pay out. As a result, the policyholder has the opportunity to recover the difference from the liable party, maintaining their rights despite the insurer's partial payment.