In many cases, an insurer proceeds to pay a claim although the loss was no fault of theirs or their policyholder. Nonetheless, they will pay the claim to provide the financial coverage, which is necessary at that time to the insured policyholder. However, paying the claim does not mean that the battle to recover is over — after an insurance company has covered a claim that should have been covered by someone else, the insurance company can stand in the place of their policyholder and recover losses. This process of recovering after coverage is known as subrogation. Initially, to begin subrogation the insurance company will contact the other party's insurance to arrange payment, or at least in attempt to arrange payment. If, however, a settlement cannot be reached between the companies, the subrogation can continue in court, where the at-fault party (and his insurance) will serve as the defendant.