Insurance practices often experience differences with written laws and
regulations because in the world of insurance, practice habits, especially those
written in standard insurance contracts. This study aims to determine the
provisions of the application of subrogation rights at PT. Asuransi Wahana Tata
Yogyakarta. Knowing the resolution of the factors that hinder the application of
the principle of subrogation in the event of a claim at PT. Asuransi Wahana Tata
Yogyakarta. The problems examined in this paper are (1) how is the application
of the principle of subrogation in an insurance agreement at PT. Asuransi
Wahana Tata Yogyakarta, (2) how to solve the factors that hamper the
application of the principle of subrogation. This study uses empirical research
methods, namely by collecting data through in-depth interviews with companies
about the facts, then an analysis is carried out with reference to the relevant
regulations. However, although the provisions regarding subrogation are in
accordance with the prevailing laws and regulations the implementation of
subrogation is not running as it should, the Insured does not clearly understand
the subrogation and its regulations. The insured also does not provide complete
supporting data about the third party.