Insurer's duty to independently ascertain liability prerequisites and damage amount before claiming subrogation.

The court ruled that an insurer, acting as a professional, must independently verify the prerequisites for liability and the extent of damages. The plaintiff argued that the insurer failed to gather sufficient evidence regarding the accident details and loss value. The court held that the insurer's professional status imposes a strict obligation to conduct its own investigation, rendering the claim inadmissible without such independent findings.