23. Harry met Sally by accident when their cars collided at an intersection. Even though the accident was caused by Sally's
distracted driving (she admits she had been texting), Harry's insurer paid for the collision damage to his auto. According to
the principle of subrogation,
a. Harry also has a right to recover from Sally.
b. Harry's insurer now takes over Harry's right to recover from Sally.
c. Harry's insurer might ask him to repay the insurer and instead collect from Sally.
d. Sally does not have to pay for the damage to Harry's car because Harry's insurance covered it.