What is Subrogation and contribution as collaries of the principle of indemnity?

Subrogation is the legal principle that allows an insurer to step into the shoes of the insured after compensating them for a loss, enabling the insurer to pursue recovery from third parties responsible for that loss. Contribution, on the other hand, refers to the right of an insurer to seek proportional reimbursement from other insurers who also cover the same risk when a loss occurs. Both concepts are collateral to the principle of indemnity, which aims to ensure that an insured person is compensated for their loss without profiting from it, maintaining fairness in the insurance system. Together, they help prevent unjust enrichment and promote equitable distribution of losses among responsible parties.