Subrogation scenario: If insurer B pays to Driver B, who may sue to recover damages?

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Multiple Choice

Subrogation scenario: If insurer B pays to Driver B, who may sue to recover damages?

Explanation:
Subrogation gives the insurer who paid a claim the right to recover those costs from the party responsible for the loss. When insurer B pays Driver B for damages caused by Driver A, insurer B steps into Driver B’s shoes and can pursue recovery from the at-fault driver (Driver A) or from that driver's insurer (Insurer A). The insured who was paid (Driver B) doesn’t sue to recover in this subrogation process; the insurer does. Therefore, the entity that may sue to recover the damages is either Driver A or Insurer A.

Subrogation gives the insurer who paid a claim the right to recover those costs from the party responsible for the loss. When insurer B pays Driver B for damages caused by Driver A, insurer B steps into Driver B’s shoes and can pursue recovery from the at-fault driver (Driver A) or from that driver's insurer (Insurer A). The insured who was paid (Driver B) doesn’t sue to recover in this subrogation process; the insurer does. Therefore, the entity that may sue to recover the damages is either Driver A or Insurer A.

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