3410 Industrial Blvd., Suite 100
West Sacramento, CA 95691
(916) 376-0486
(916) 376-0478 Fax
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The Cole Law Firm

Subrogation Law Since 1972

The Cole Law Firm

3410 Industrial Blvd., Suite 100
West Sacramento, CA 95691
(916) 376-0486
(916) 376-0478 Fax
This email address is being protected from spambots. You need JavaScript enabled to view it.

Subrogation Law Since 1972

There is a difference between the cause of the loss and the legal liability for that loss. there may be a statement as to subrogation/cause of loss in reports by your independent adjusters and origin and cause consultants. However, each may be referring to cause of loss and not legal liability for the loss.

One example would be a vandalism loss at an abandoned, run-down
property. The cause of the loss may be kids or vandals discarding a
cigarette. However, the property owner itself may be legally liable for that loss.

Another example would be the cause of the loss is a water supply line
failing, but the manufacturer of the fill valve or the plumber who installed it is legally liable for that cause.

There are many sources of discerning who is legally liable for a loss, such as legal treatises, cases, hornbooks, all of which are available at law libraries and in many insurance carriers offices. Your subrogation counsel is another good source.

A Bill of Rights is what the people are entitled to against every government, and what no just government should refuse, or rest on inference.
- Thomas Jefferson

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