Case Study - Burnand v Rodochanachi (1882)

FOR DUMMIES

For example - A motorist who is insured under his own comprehensive policy has two sources of compensation should his vehicle be damaged as a result of a negligent motorist. He can claim from his own insurers or he could claim from the negligent motorist. If he claims against his own policy - his Insurers are subrogated to his rights against the negligent motorist. In short YOUR insurers recoup the money from the Negligent Driver's Insurers.