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Category Archives: Contracts and Policies

Illinois Deductible Reimbursement

In this article, we’ll help you distinguish administrative expenses from incurred expenses. Deductible reimbursement surfaces when you successfully subrogate a loss against a third party and make a recovery on the claim payments. At that time, a determination is made as to what portion of the insured’s deductible should be reimbursed.

When does the PUCO have jurisdiction over a claim

In Ohio, as in most states, public utilities have significant influence and power. One way in which the utility exercises that power is to try to move a case in litigation to a more utility-friendly venue, the Public Utilities Commission of Ohio (PUCO). Ohio Revised Code 4905.26 vests the PUCO with jurisdiction to hear and decide claims related to the provision of service by utilities.

Sub-contractor Liability

From a negligence perspective, Illinois common law maintains a separation of liability between independent and general contractors. Given the absence of a contract, or other factors discussed later, one who hires an independent or sub-contractor is not responsible for the negligence of that person or company. In terms of subrogation this can be quite frustrating.

Subrogating Property Losses and Coinsured Status

Subrogating property losses, within the context of the landlord and tenant relationship, can add layers of complexity outside of the general issues that come with all property claims, such as cause and origin of the loss and actual damages incurred. Before expending costs and time, one issue worth analysis is figuring out exactly who can… Read More »

Indiana Med Pay Subrogation Statute

The Indiana Medical Payment Subrogation Statute, Indiana Code 34-53-1-2, requires insurance carriers to use its insured’s attorney as its own attorney for its medical payments lien when an insured files a personal injury lawsuit. The statute requires the insured’s carrier pay the insured’s attorney “the insurer’s pro rata share of the reasonable and necessary costs… Read More »

Take Caution When Fronting At Fault Party’s Carrier Limit

We have all been there before. Your insured is injured and the at fault party is underinsured. The at fault party’s carrier offers policy limits but your company elects to front the limits and retain subrogation rights. The two-year bodily injury statute of limitations is approaching and your adjuster has not settled the insured’s claim…. Read More »

Ohio Revised Code Landlord-Tenant Law

The Landlord-Tenant Law applies to all residential properties and not commercial leases in the state of Ohio. As such, none of the rights outlined in Ohio Revised Code 5321.04 Landlord Obligations and Ohio Revised Code 5321.05 Tenant Obligations may be taken away by any written or oral agreement. Further, the lease does not control, nor is… Read More »

Issues Involving Illinois Condominium Claims

Condominium losses present some unique circumstances and often require a deeper review due to the condominium declarations, waiver of subrogation, and determining potential targets. But, don’t give up on them with an assumption that they cannot be pursued.

Liquidated Damages and Limitation of Liability Clauses

Liquidated damages clauses and limitation of liability clauses are common in contracts but have different roles. Liquidated damages clauses try to fix, in advance, the amount of reasonable compensation for actual damages. Limitation of liability clauses restrict the amount of compensation available, regardless of the damages suffered. While the provisions both seek to limit exposure, courts treat the application of them differently.

Other Insurance Clause is Excess…Really

When two different policies provide coverage for an accident, but both also contain excess clauses, the Courts have said the two companies are required to “prorate” the damage based on the limits of liability of each policy.