This chart concerns contribution among joint tortfeasors, which applies subrogation principles, and is sometimes referred to as “reimbursement by subrogation.” Joint and Several Liability and Contribution laws are shown for all states.
A summary of the laws and regulations in each state with regard to whether there is a duty or obligation on the part of a subrogated carrier to reimburse any or all of its insureds deductible to its insured before it can successfully subrogate or seek reimbursement of its claim payments.
Application of exclusive remedy rule to cases involving employee leasing companies and temporary employees for all 50 states.
State by state telephone call recording laws.
Newton's Three laws of Motion, fundamental laws of physics.
Diminution in value is claimed when the value of a damaged, but repaired, item is less than the value before the loss. Subrogation professionals should be aware of when and how the laws of each state deal with diminution of value. This chart is a summary of how the first-party issue is treated in all 50 states.
Currently 12 states and Puerto Rico have no-fault auto insurance laws. Florida, Michigan, New Jersey, New York and Pennsylvania have verbal thresholds. Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota and Utah use a monetary threshold.
The Commercial General Liability (CGL) form provides property damage and bodily injury liability coverage arising out of business operations and is usually a part of a commercial package policy (CPP). It specifically excludes coverages that would be found in companion policies, such as automobile-related claims which are covered under a business auto policy.