With many types of insurance, the insurance company takes on the risk of paying the insured for damages caused by a third party. If a home catches on fire, the homeowner's property insurer will pay for damages caused by someone other than the insured started the fire, deliberately or negligently. If there had been no insurance, the homeowner would have had to sue the person who started the fire to be reimbursed for the damage. With an insurance contract, however, the insurance company pays the damage. The insurance company then can sue the person who started the fire to be reimbursed for the amount it paid its insured. The insurance company is subrogated to the insured because the company "stands in the place" of the insured in the lawsuit against the person at fault. As part of an insured's settlement with its insurance company, the insured will frequently sign a release to the benefit of the insurer, in which the insured assigns all of its rights against the wrongdoer related to this particular claim to the insurer. Among the rights frequently given the insurer in these subrogation/release documents is the right of the insurer to bring the action against the wrongdoer in the name of the insured, so that it will appear to a jury that the lawsuit is between two people, not between a defendant and an insurance company.