When an insurance company pays a policyholder for a loss, the insurance company has a right of subrogation against any person or persons responsible for the loss. The right of subrogation arises out of the automobile insurance policy, which is an indemnity contract. Basically, the right of subrogation allows the insurance company to pay its policyholder and then pursue the responsible party for the payments made. When the insurance company collects against the responsible party or its insurance company, the policyholder will receive its pro-rata share of the deductible applied to the original loss payment made to the policyholder. If the subrogation claim is unsuccessful, then the collision may become a chargeable accident to the policyholder, and possibly result in a premium increase. Source: Blue Leaf Claims of Suffield, Conn.

NLA Subrogation Insurance Contacts

EDWARD MAUCERE

Executive Vice President

AmWINS Transportation Underwriters Inc.

10174 Old Grove Road, Suite 100

San Diego, CA 92131

(858) 547-9000

ed.maucere@amwins.com

FRANK VACCARO

Vaccaro and Associates

6277 Pacific Pointe Drive

Huntington Beach, CA 92648

(877) 434-7888

fva98@aol.com

MICHAEL MURDOCK President

Great Mountain Insurance

CEO

Blue Leaf Claims

230-B Mountain Road

Suffield, CT 06078

(860) 254-4408, x105

mmurdock@greatmountainins.com

mmurdock@blueleafclaims.com

• Source: National Limousine Association