I’m Erie Insurance, and I’ll be explaining today’s insurance term to… Ah, Evan. Eh, I’m a toddler. Well hi, Evan. Have you ever heard of subrogation? Uh, I still call spaghetti “pisghetti.” You’re gonna have aim a little lower. Alright. Subrogation means that when there’s an accident, we at ERIE pay your covered costs up front until it’s decided who is legally responsible for the loss. Oh, so like if there was this kid and his sister made him drop a jar of pickles at the store, ERIE would cover the cost of the pickles until the kids’ mom figured out who’s allowance to take it out of — “his sister’s?” Yeah. And if some of the pickle money came out of your allowance in the form of something called a deductible, but it wasn’t really your fault, ERIE would help you get that money back. Hey what makes you think is about me? I’m just talking hypothetically here. Sure, and according to your mom, hypothetically it was more like three jars of pickles. Ah, “Sister!” Mmmhmm. Your sister does a lot of stuff, doesn’t she? Ugh, she wet my bed until I was like three and a half. Now that takes real commitment. You have no idea.