Which amongst the following does an insurer has no subrogation rights - ProProfs Discuss
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Which amongst the following does an insurer has no subrogation rights under all personal auto policy coverages?



A. Physical damage coverage
B. Uninsured motorists coverage
C. Medical payments
D. Liability coverage

This question is part of Practise Exam 1
Asked by Wyatt Williams, Last updated: Jan 14, 2020

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1 Answer

Wyatt Williams

Wyatt Williams

Answered Mar 27, 2018

Physical damage coverage

Under a personal auto policy, an insurer has subrogation rights against third parties who might be responsible for a loss, such as other drivers or uninsured motorists. However, under physical damage coverage, the insured might be the only one responsible for a loss or nobody might be responsible. It would make little sense to pay an insured for a collision loss and then try to recover from the insured. So the policy specifically states that subrogation rights...Read More
 

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