Abstract: the generation of insurance indemnity, say again "subrogation recourse" or "equity transfer" refers to the third party liability insurance mark due to loss occurs when insurance accident, the underwriter pays insurance indemnity to the insured to a third party, shall obtain the right of Insurance of generation ask for compensation is property insurance and insurance has the same properties as property damage compensation insurance proprietary In practice, the insurance of subrogation, often in the underwriter, insurant, third-party exists between the controversial, it is necessary to know the insurance and related information, this paper through the insurance of subrogation explanation and understanding of the connotation, properties, Then on insurance of subrogation due to happen to analyze, Secondly insurance subrogation right to exercise some problems needing attention in examples, On the current insurance and discuss the two controversial, to grasp the insurance of subrogation right in nature, and recovery