What must insurers do upon discovering subrogation opportunities?

The correct answer involves the insurer's obligation to pursue recovery from the at-fault party once subrogation opportunities are identified. Subrogation is a key principle in insurance that allows insurers to seek reimbursement from the party responsible for a loss after they have paid a claim to their insured. This process is critical for insurers to maintain financial stability and minimize losses. By actively pursuing recovery, insurers can help to offset the costs associated with claims, which can ultimately lead to lower premiums for policyholders.

Additionally, engaging in subrogation aligns with the insurer's interest in ensuring that liability is correctly assigned and that responsible parties are held accountable. This process not only aids the insurer in recovering paid amounts but also reinforces the principle of justice, ensuring that those who cause damage bear the financial responsibility for their actions.