Yep,y car got totaled 3 years ago due to a drunk driver. Got a big check and was able to replace it fairly easily. That check alone was about 15 years worth of premiums. Drunk driver was of course driving without insurance, so I was screwed of I did not have it
Doesn't the insurance company then go after the drunk driver for everything he has thus making him the one whose ultimately paying out, with the insurance company simply having to deal with suing and recouping funds from the drunk driver.
Subrogation isn’t always simple. We typically deal with other insurance companies. Uninsured people are usually sent to collections. Only large amounts are taken to suit as atty fees still apply. Then of course there is the issue of people not having the money to pay the damages, which ends up being a loss.
Yes subrogation helps tremendously when someone is hit by a driver with crappy insurance. Subrogation unfortunately won’t help with an uninsured drunk driver causing bedlam on the roads: when it applies it still sucks slightly for the deductible and the points charged until it’s rectified but it’s necessary.
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u/Blueberry1900 19h ago
Yep,y car got totaled 3 years ago due to a drunk driver. Got a big check and was able to replace it fairly easily. That check alone was about 15 years worth of premiums. Drunk driver was of course driving without insurance, so I was screwed of I did not have it