2474. The insurer is subrogated to the rights of the insured against the author of the injury, up to the amount of indemnity paid. The insurer may be fully or partly released from his obligation towards the insured where, owing to an act or omission of the insured, he cannot be so subrogated.
The insurer may never be subrogated against persons who are members of the household of the insured.
1991, c. 64, a. 2474; I.N. 2014-05-01; 2016, c. 4, s. 277.