A determination should be made as early as possible about whether a claim is worth subrogating
. Insurance companies should not hesitate to engage attorneys with whom they have working relationships to assist in making these determinations early on.
On the other hand, notification is not required when subrogating
a personal auto claim.
Problems arose when the subrogating
insurer discarded the vehicle in question and let the salvage be squashed into a washing machine-sized cube.
Moreover, many of these statutes require that the homeowner, including a subrogating
insurer standing in the shoes of the homeowner, allow the contractor a mandated period of time, typically 60 days, within which to repair the defect.
It also speeds processing and reduces the expense of subrogating
How are the insured's duty of cooperation and the insurer's undertaking of a subrogation investigation affected if the subrogating
insurer determines that the liability insured is covered under a separate policy issued by that insurer?