law: Marine Insurance Act, 1963 
  79. Rights of subrogation 
  (1) Where the insurer
  
  pays for a total loss, either of the whole, or in the case of goods of any
  
  apportionable part, of the subject-matter insured, he thereupon becomes
  
  entitled to take over the interest of the assured in whatever may remain of the
  
  subject-matter so paid for, and he is thereby subrogated to all the rights and
  
  remedies of the assured in and in respect of that subject-matter as from the
  
  time of the casualty causing the loss.
  (2) Subject to the
  
  foregoing provisions, where the insurer pays for a partial loss, he acquires no
  
  title to the subject-matter insured, or such part of it as may remain, but he
  
  is thereupon subrogated to all rights and remedies of the assured in and in
  
  respect of the subject-matter insured as from the time of the casualty causing
  
  the loss, in so far as the assured has been indemnified, according to this Act,
  
  by such payment for the loss.