Mansell, Engel & Cole

December 2017 Archives

The case for subrogation in catastrophes

Subrogation action is an important insurance concept to understand. With subrogation, one party stands in for another party when making a claim for damages. For example, if you’re driving down the road and another driver runs a red light and side swipes you, your insurance provider may pay for your damages. However, because the other driver was at fault in the accident, your insurance company—acting in your place—will seek reimbursement from that driver’s insurance provider. This scenario is one of the most common types of subrogation.

What can you stand to win in a bad-faith insurance claim?

The law holds insurance companies to a certain standard of behavior. When such a company’s conduct does not live up to this standard, it is coined “bad faith practice”. There are various types of conduct against an insured party that constitute bad faith. For example, it is considered bad-faith practice if the insurer:

Uninsured motorists can disrupt your life

In Oklahoma and nearly every other state, driving without minimum insurance coverage is against the law. Insurance provides assistance in paying for property damage and injuries following a car accident. Because Oklahoma is an at-fault state, the driver who is determined to be responsible for the accident is the one whose insurance covers the damages.

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