Is it allowed for the insurer to replace the assured and pursue a claim against the responsible party for the loss covered by the insurance policy?
Yes, it is permissible for the insurer to step in the shoes of the assured and bring a claim against the person who caused the loss, and this is generally allowed except in cases where the person responsible for the loss is an ascendant or descendant of the assured, their spouse, someone living in the same household, or a person for whom the assured is responsible.