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Each year, thousands of Americans submit claims to their insurance companies to recover for injuries and illnesses sustained as a result of the negligence or recklessness of others.[i] Tragically, because of insurance limitations and frequently judgment-proof defendants, many of these people achieve little or no relief. Still others achieve some level of satisfaction only to watch as much of their award is consumed by the costs of protracted litigation. With this in mind, this comment addresses the validity and propriety of insurance policy provisions which subrogate[ii] an insurer to the personal injury claims of its insured.[iii]