This is in regards to who can be held responsible in subrogation?
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Insurance Question from Astatula, FL
Asked on 07/16/2012
This is in regards to who can be held responsible in subrogation? My father and I are listed on the title of a car that my son was driving when he caused an accident. The other parties insurance company sent a letter of subrogation to my father, not myself or my son, first in the amount of $1400. Then after my dad spoke with them, he gets a second letter saying it is $2800 and they have not sent any such letter to myself or son, who again was the driver. Of course, my dad wants to pay this, how do I make sure after it is paid the insurance company does not come after my son or myself for more money. And as an owner only, should my dad pay at all?
Answer given on July 19, 2012
Auto insurance for a vehicle in an accident follows the car. You did not indicate if the car was insured, but presuming it was, then the insurance for that car should respond for the damages caused by your son.The other insurance company is pursuing the registered owner of the car, which in this case includes your father. Since they were able to contact him, they have pursued reimbursement from him. You need to report this incident to your insurance company, if you have not already done so. Your insurance company will respond to the other insurance company regarding the damages they are seeking. Tell the other insurance company who your insurance company is and they will then contact them and leave your father and you alone.If you have already reported the accident, tell the other insurance company that your insurance company is handling this claim. If you have the claim number, provide the other insurance company with that information and ask them to contact your company and leave you alone.
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