Subrogation Rights

Subrogation Rights. If the Insurer makes a payment under this Policy, the Insurer shall be subrogated to all of the Insured's rights of recovery against any person or organization responsible for the loss, to the extent of such payment. The Insured shall do nothing after a loss to impair or prejudice the Insurer's subrogation rights. The Insured shall execute and deliver any instruments and papers required and do whatever else is necessary to assist the Insurer in exercising its subrogation rights. Upon the Insurer's request, the Insured shall bring suit or transfer those rights to the Insurer and cooperate with the Insurer in any action or proceeding. Any amounts recovered through subrogation shall first be applied to reimburse the Insurer for its payment, including investigation and legal expenses, and the balance, if any, shall be paid to the Insured. The Insurer shall not exercise its subrogation rights against any Insured under this Policy unless the loss was caused by the intentional or fraudulent acts of that Insured.