In situations where a policy exclusion may apply, but payment has to be made due to the SR-22 bond, an insurer can seek reimbursement from its insured.
How Does Car Accident Subrogation Work?
Subrogation is a process that allows an insurance company to recover the expenses it paid out to its policyholder for a loss that was caused by another party. After an automobile accident, if the other driver was at fault and had insurance coverage, the victim's insurance company can file a...
Other Insurance Clause is Excess
Other insurance clauses, also known as excess clauses, seem to appear in every case with concurrent coverage under multiple policies. This common situation presents itself when an insured is driving a car owned by a friend or family member. Each insurance policy provides coverage for the accident, but both policies...
Indiana Animal Liability
In Indiana, areas that were once considered rural are experiencing population growth as urban boundaries expand. This can lead to a clash between rural and urban lifestyles. For example, as traffic increases on rural roads, there is increased potential for motor vehicle accidents involving livestock.
Illinois Automobile Liability – Minimum Limits and Question of Excess
In this article, we'll explore the minimum liability policy limits in Illinois and what they may mean for your auto file.
Ohio Parental Liability
Parental liability is an important public policy consideration in Ohio. The parents of minor children are subject to liability for the acts of their children in a number of circumstances. In this article, we’ll discuss why the parent may be liable for acts involving property damage, theft, and motor vehicles.
Ohio Rules of Civil Procedure Updates
The Ohio Rules of Civil Procedure determine the legal processes that are followed by Ohio state courts in civil actions. The rules are meant to eliminate delay and improve efficiency. On July 1, 2020, amendments to the Ohio Rules of Civil Procedure took effect. For the next few issues, we...
Indiana Negligent Entrustment
Under Indiana law, the theory of Negligent Entrustment allows for an injured party to recover from the owner of a vehicle who negligently allowed another person to use the vehicle. Negligent entrustment is most common in auto claims, although there are other circumstances where it is applicable.
Promissory Note
In the course of trying to collect from uninsured motorists, some insurers and their vendors may use promissory notes. It is important to remember that for these notes to be valid and collectible there are rules the insurer should follow.
Suspend the Driver’s License of the Uninsured Motorist
In Ohio, an insured driver, vehicle owner, or insurance company representative involved in a car accident with an uninsured driver may submit Crash Report Form 3303 to the Ohio BMV to request suspension of the uninsured driver’s license.