The insurer who has paid compensation for damage shall be subrogated to the rights of the insured in claims against the person who caused the damage for which the insurer is liable, up to the amount of compensation paid, unless the person who caused the unintentional damage is one of the insured's ascendants or descendants, their spouse, or a person for whose acts the insured is legally responsible.
Interpretation and application must be checked against the official text and current version.