Concept:Subrogation lets an insurer step into the insured’s shoes after paying a claim.Explanation:When an insurance company compensates the insured for a loss, it gains the legal right to recover that amount from the party responsible for the loss.This right is known as subrogation.It prevents the insured from collecting twice for the same loss and helps the insurer recover the money paid out.The other options do not match: indemnity restores the insured financially, proximate cause determines the actual cause of loss, and utmost good faith requires honesty in insurance contracts.Answer:D. subrogation