Right of subrogation: In property insurance, if the third party's fault causes the insurance subject to suffer losses within the scope of insurance liability, after the insurer has paid the insurance money in accordance with the agreement of the insurance contract, he may be subrogated within the limit of his compensation Exercise the insured's right to claim compensation from a third party, that is, the right to subrogation. Which of the following are not necessary conditions for exercising subrogation? ['Occurs in property insurance.', 'The insured has the right to claim damages from a third party due to an insured accident.', 'The insurer has paid compensation to the insured.', 'The subject matter of insurance exceeds 800,000 yuan.']