Magnify House

PENNSYLVANIA SUPERIOR COURT WILL RECONSIDER ITS OWN DECISION ON LANDLORD/TENANT SUBROGATION: Mut. Benefit Ins. Co. v. Koser, 2023 WL 8360563 (Pa. Super. 2023), reargument granted, opinion withdrawn, 2024 WL 174472 (Pa. Super. Jan. 17, 2024)

Subrogation professionals are seeing more and more cases involving a landlord’s carrier wanting to subrogate against a negligent tenant who caused damage to the leased premises. The ability of a landlord’s property insurer to subrogate against a tenant for property damage caused by the negligence of the tenant depends on which state the loss occurs…

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TIMELINESS OF PROPERTY SUBROGATION SUITS IN LOUISIANA: A Back Door Around Prescription

Louisiana, with its short one-year tort statute of limitations (in Louisiana called prescription), catches many insurance subrogation professionals unaware. Some may assume that because suit was filed by another party involved in the accident or even by their own insured, the property subrogation claim will relate back to the time of filing of the original…

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workers' compensation

Workers’ Compensation and the Intentional Act Exception to the Exclusive Remedy Rule

The quid pro quo premise underlying the social compromise known as workers’ compensation is simple: an employee injured at work receives no-fault medical expenses and wage replacement indemnity benefits and, in exchange, the employer is given protection from employee lawsuits and a statutory right to be reimbursed from the tortfeasor who actually caused the work-related injury –…

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Statutes of Repose

Understanding The Difference Between Statutes of Limitations and Statutes of Repose

Subrogation professionals, like lawyers, must be constantly vigilant for deadlines, statutes of limitations, statutes of repose, and notice timelines which are set forth by the laws of the 50 states. Likewise, it is important to know and understand the differences between statutes of limitations and statutes of repose. They are both subrogation-killers. Statutes of limitations…

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Missouri

SUBROGATION VS. ASSIGNMENT IN MISSOURI: When Can You Subrogate Property Damage?

We are all aware that Missouri’s prohibition against assignment of a cause of action for personal injuries has complicated subrogation in that state. Subrogation in personal injury cases is considered to be against public policy because it amounts to an impermissible assignment of the insured’s right to a cause of action for suffering a personal…

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Workers' Compensation

The Inexplicable Workers’ Compensation Waiver of Subrogation Endorsement

Most state workers’ compensation laws, or cases construing them, allow the employer and its carrier to waive its right to subrogate against a third party that caused or contributed to an employee’s injury. The purpose of a subrogation waiver is not well understood and is a subject of some confusion in the marketplace. Most frequently,…

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Words

Words Matter: The Importance of Clarity in Subrogation and Mediation Agreements

Pulitzer prize winning historian David McCullough once said that “Writing is thinking. To write well is to think clearly. That’s why it is so hard.” When claims adjusters, subrogation professionals, and/or subrogation lawyers document a settlement or stipulation with an insured’s or employee’s attorney regarding a subrogation interest, getting all the right words in the…

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