"T o d d P a t t i s t" wrote

The
real risk is that the insurance company will settle, then go
after the open pilot for their losses. That's why IMHO,
subrogation is a bigger issue here.

Even after reading the definition in the dictionary, I'm not clear on how
subrogation is working in this instance. Could you explain a little more on
the implications, of what is being "assumed", or whatever?
--
Jim in NC