JeffDG
Touchdown! Greaser!
Subrogation is a nasty bit of legal extortion...
The alternative would be the insurance company refusing to pay you for your losses and telling you "Hey, that guy caused your problem, sue him for your damages."
Subrogation permits the insurance to pay you, then recoup from the responsible party later. Take subrogation away, and the insurance company will be entirely within their rights to not pay until a determination of fault is completed...your pain notwithstanding.