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The substitution of one person or company, for another so that the rights and duties of the original person or company becomes operable by the other. In insurance, it applies more particularly to indemnity policies. Where an insured is fully indemnified by an insurance company for a loss, the company so indemnifying the insured will, in some instances, have the right to benefit financially from any claim made against a third party who was responsible for the damages in the first place.