#Subrogation

[nickkaragiannis]

Decoding 'Subrogation'! It's a complex process where your insurer seeks reimbursement from the at-fault party. Good news: We handle it for you !

[k-star-holic]

Microdot, instead of Parent, paid back 400 million debts and made a comeback for five years

Source: k-star-holic.blogspot.com

[eattherichplease]

I'm glad everyone has realized that the episode is, indeed Zionist, pro-genocide, pro-imperialist propaganda.

The show –and the Doctor– are said to be neutral. They observe, they tell–but they don't change, don't interfere. Over and over again, this is proven a lie. Last episode was just the most blatant example.

Why the Doctor can stop the Palestine "terrorist" from avenging the genocide of his people... but not the genocide itself committed by Israel?

Why can the Doctor stop the avenger of the crime–but somehow never the crime itself?

Why is it okay to torture the Palestinian because he tried to kill billions... but Israel killing billions is perfectly fine? (back to the TARDIS we go! Our job here is done, because the nutjob is in jail, so the problem is solved!)

Why is the show trying to tell me that the correct answer to the genocide of a whole planet is singing a ballad in Eurovision... and nothing else?

Why is the show trying to tell me the Palestinian is the bad guy here? And if I empathize with him, if I understand his rage and justify his actions... am I the bad guy?

Have we become the bad guys of the Doctor Who episode?

Are we the monster of the week?

Will the doctor continue to shake hands with his good friend Churchill, while with the other hand he tortures Mandela with electric shocks?

“Dark Doctor” moments used to have him face consequences — after 12 messed up by manipulating her like an experiment in Kill the Moon, Clara told him she didn’t want to travel with him anymore. Donna refused running away with 10 in the Runaway Bride because he frightened her by drowning the Racnoss and told him he needed someone to stop him.

here, Belinda just mildly chastises 15 for “scaring her”, he says he “scared himself”, and it’s “fine”? after he went on a mad power trip and started physically torturing a traumatised kid who lost his family in a genocide?? it’s so… out of character, not even the sudden cruelty that happens sometimes when he lets himself go, but the lack of narrative repercussions.

genuinely disturbing in a new way that Doctor Who has never been. it made me feel like this show wasn’t my friend. he’s edged close to it at times, but he’s never been an outright *villain* before.

there were so many other ways to resolve this that would have been more Doctorish — going back in time and dismantling the corporation before it got the chance to raid the planet Hellia, or rescuing Kid’s family when he was a child so he never becomes a terrorist hell(ion)bent on revenge, literally anything.

physical, lethal threat like this is never the Doctor’s MO. even when he chains the Family of Blood forever, it’s an exceptional case, and they’re objectively 100% evil hunters, not morally complex freedom fighters from a planet that was decimated by capitalism. here, the Doctor doesn’t condemn the genocide — he is written to condemn the victims. the THREE TRILLION number is comically large to make sure that the audience doesn’t feel too many moral qualms.

this episode literally feels like Zionist propaganda. i am disappointed in Juno Dawson beyond measure, beyond words. i loved her audio dramas. this is such a shame. episodes like these make me embarrassed to call myself a Doctor Who fan. and on a day when the genocide is escalating, as well! Palestinian journalists tweeting that this is the bloodiest day since it began! disgusting. fucking atrocious.

[agentfascinateur]

War criminal Netanyahu's extermination of Palestinian roots by targeting families

• 1,410 families have been completely wiped out • 3,463 families have been left with only one survivor • 2,287 families have lost members, but have multiple survivors This means a total of 7,160 families have lost multiple members, with 1,281 families losing at least five members - Gaza Health Ministry

#so aware of Israeli rootlessness

#forced subrogation

[hitzbusiness]

Insurance Subrogation: Recovering Losses and Minimizing Costs

Insurance subrogation is the process by which an insurer seeks reimbursement from a third party responsible for a loss or damage. Insurance Subrogation: Recovering Losses and Minimizing Costs This article explores the concept, benefits, and process of insurance subrogation. Benefits of Insurance Subrogation 1. Reduces Insurer’s Losses 2. Minimizes Policyholder’s Costs 3. Promotes Fairness and…

[charminglyantiquated]

Nautilus update! I’ve written more in-depth about all of this on the gofundme page and our social media, so I won’t get into the nitty gritty detail here as well, but I wanted to share the news here, for anyone wondering how things are going! Under a cut because it’s long, but tl:dr is we're moving forward, and we'll be okay.

Good news first: The owner of another local sailing company had put one of their boats up for sale the same week as the accident, and after the surveyors told us to expect the worst, he got in touch. She’s now ours, and we’ll be sailing again next summer! We were lucky enough to work on her in the past, and her previous owner wanted has told us he’d initially meant to offer her to us at the end of this season. With a working boat, we can keep our company going, which in turn means we have a means of making money that still allows us the flexibility to work on repairs, and deal with matters in the shipyard as they arise. (The marina also had a multi-year wait for commercial boats, so we were worried about what would happen if we had to bow out for a few years!) We're extraordinarily lucky and so, so grateful - this literally would not have been possible without the fundraiser, and the safety net it gave us, and the way our whole community has supported us. Without exaggeration, it changed our lives. I will never be able to fully express how grateful I am.

Nautilus is written off as a loss, which we've been expecting. They offered us the chance to buy her as salvage, which we obviously accepted. So insurance wrote us a payout for what she’s insured for, plus reimbursement for getting her hauled and towed, less the value of her as salvage. Because she’s a loss, we have to pay off the loan that we took out this spring to buy her. After that's done, we'll have enough left over from the payout check to launch the new boat next spring (insurance/marina fees/haul and tow) which in turn leaves us free to use the proceeds of the fundraiser to make a start on repairs this winter! In the meantime our insurance is pursuing subrogation: essentially (as I understand it) after paying us out of their pocket, they are going after the other insurance for reimbursement. If we do see any lost income, it would be through this process, but we’ve been told several times it will take months - we don’t know if that means ‘december’ or ‘next august’, and don’t know how much, so we’re crossing our fingers but not making any plans around it. The crisis point was these last two months, and honestly the fundraiser got us through it - now we have our feet under us again, it would definitely be welcome but our stability and livelihood isn't hanging on it, so we can afford to wait.

Repairs - rough estimate from the survey is $83k, but half of that is labor costs. We can do much of the labor ourselves, which should lower it a bit. There are obviously areas where we'll need experts (welding!!), but we have the skills for a lot of what has to be done. Right now we’re getting the boats covered for cold weather, picking up some odd jobs around the shipyard, and clearing room in the woodshop to build a new main mast - that��s the project this winter! We are also going to start tearing up the teak deck to access the damaged fiberglass below, and figure out what, if anything, can be salvaged from the wreck of the mast/rigging (the jib furler sheared in half, but the sail itself made it out with only four small, easily patched punctures! Which is frankly a miracle, given how it was literally jammed through the mast). Anything that seems sound will be checked over by an expert, and a lot of it might still be too stressed to safely use, but after months of looking at the wreck of the thing, it’s honestly just a relief to be able to go through and start taking pieces apart.

Tl:dr is we’re going to be okay. Money is tight, we’re living with family and working 6 days a week, but we’ll be on the water sailing again in May, our company will survive, and we’re hoping to have Nautilus fixed in two or three years. Just wanted to share that with you all; I'm really glad to finally have some good news to offer. It's not easy but it's better, and we're going to get through it, pretty much 100% because of everyone who has been so kind to us both. Thank you all so, so much for every single kind word and share and donation. I am never going to be able to say how much it has meant to me, and what a difference it has made. I won’t be posting much more about it on here now that we're back on our feet, but if anyone wants to keep updated, detailed news about Nautilus repairs will go on the gofundme page, and our instagram will have lighter posts about both boats, repairs, and the 2025 season.

[fuck-customers]

I work auto insurance and I'm actually very comfortable and happy with my job (beats retail by MILES), but I really feel that agents don't do a good enough job at all explaining our policies to our customers. Or they just buy their coverage willy nilly thinking it covers everything without actually reading the policy language.

"Why is an aftermarket part written on the estimate?" Because it is in our policy, our signed contract you agreed to, that used or aftermarket parts may be in our estimates.

"I paid insurance for years and you're denying my claim?" Sir you've only been paying LIABILITY coverage for years. We're denying payments for your vehicle damages because you do not carry comprehensive or collision coverage. This should have been made clear when you bought your policy.

"Why do I have to pay my deductible when I'm not at fault?" No where in your policy does it say we will automatically waiver your deductible if we find you not at-fault. We'll attempt to subrogate and reimburse you later.

"Why am I being charged for rental?" Because in our policy, and also repeated to you while setting the reservation, your rental assistance ends when your vehicle repairs are completed. You were notified by the shop that your vehicle was ready for nearly a week and you still had not returned the rental.

"I can't pay the deductible to the shop right now!" It's also in our policy that by taking your vehicle in for repairs, you must be responsible for paying your deductible to the body shop once the repairs are complete. If you couldn't afford the deductible, you should have let us know so we could work out other options before your scheduled to have your repais done. If the shop decides to withhold the release of your vehicle because they don't have your deductible, that's between you and the shop to work out.

Last one: "What do you mean my rental and collision are separate coverage?" Ma'am....

Posted by admin Rodney

[equinox-studi0s]

Subrogation: the substitution of one person or group by another in respect of a debt or insurance claim, accompanied by the transfer of any associated rights and duties. (Basically Jesse’s route to his plan in the movie)

[butterflyrocks]

Reading an ethics book for my class and they use subrogation as an example. The lack of understanding and depth this man goes into, compared to the nearly ten pages he dedicates to people being coerced into the army because of bad economic situations, but suddenly when talking about subrogation that economic coercion doesn't exist. Or when it exists in the background you shouldn't pay attention to it.

Just men trying to tell you they're unbiased and how they are the moral authority and know what's ethical because they're "philosophers", so just nod along.

[windvexer]

Hi, have you ever heard of this entity?

https://www.scarystudies.com/midnight-man-game/

Would a witch be able to summon it outside of this context and what kind of entity is this? Also, using your own name and dropping blood onto paper what does actually entail?

Easy link to URL

Midnight Man is an urban legend. I suppose that if such an entity does exist, it could be classified as a pop cultural spirit, or perhaps an egrigore.

There is no way for us to know if it is possible to summon Midnight Man outside of this elaborate summoning ritual, until we do the necessary research. When lore dictates that a certain ritual is the correct one to use to summon an entity, it's hubris to assume we can conjure the same spirit using our own, unrelated summoning rituals.

And until you let Midnight Man try to murder you until 3:33 am, then how would you know you conjured the same spookypasta spirit if you used another format? Just because you summon a spooky spirit who promises to kill you doesn't mean you've summoned the actual Midnight Man, if such a creature does actually exist.

Also, you don't even get anything for surviving the ordeal with Midnight Man. You just don't die. This seems like a terrible deal. There are lots of urban legend summoning stories. Have you considered Three Kings, or perhaps the Man in the Fields? Either of those urban legends at least suggests that if you don't die or go permanently insane you'll get wishes, or something.

I mean, even if we're approaching this from a pop-culture witchcraft context, Midnight Man explicitly doesn't like or help people at all, unlike Man in the Fields. So it's hard for me to see this going anywhere even if you want to take the urban legend and transplant him into your personal magical practice.

I'm not sure I understand your question about using your own name. The instructions you linked seem quite clear:

1. Write down your name on a piece of paper. First, middle, and last name. Then put a drop of your blood on the same paper. Let the blood soak in to the paper. 2. Then turn off the lights. All of them. Go to the wooden door and put the piece of paper with your name in front of it. Then light the candle and put it in on top of the piece of paper.

I do sometimes use my blood in rituals. To obtain blood for this purpose, I use sterile diabetic lancets which can be purchased at any pharmacy.

Also, if your aim is to summon a demon who's only goal is to eviscerate you, please let me recommend a more fire-safe option for the setup: Use a candle with a low profile, like a tea light, and place both the paper and the candle in a large, fire-safe cooking pot.

Being hunted by a suspected demon seems like a great setup to kick a real candle and actually burn down your apartment, and doubtless the insurance company would not attempt to subrogate against the Midnight Man.

Best of luck working with creepypasta spirits!

[19chloe96]

"Je suis rentré chez eux de façon subrogative..."

"Subreptice."

"...En tapinant."

"En tapinant ?!"

À chaque fois, la tête de Lionel, son intonation... ça me tue 😂

[k-star-holic]

⁇ Parent Debt-to-Equity ⁇ Microdot, Disposal of All Property ⁇ 12 Hours Restaurant Work ⁇ Subrogation Obligation but Payable (Scoop)

Source: k-star-holic.blogspot.com

[acommonloon]

out of the blue we got a bit of happy news. Our insurance claim deductible was refunded due to subrogation. Not her fault!!!

Back in the Fall, D was in a serious auto collision involving a gasoline tanker truck. Serious to the tune of $17,000 in repairs to our 4 Runner but amazingly, no one was injured.

Her story: she was turning left from the left lane of a 2 lane road and turned into the tanker that was passing her, illegally, on a double line. She never saw him until…I still shiver to think about it.

His story: she put her left turn signal on, pulled off the shoulder on the right, then swung around across both lanes to do a u-turn and drove into the side of him. Laughable. Right?

She had 3 people in the car with her supporting her story. They took pics and video showing the collision occurred in the opposite lane across a double line where the truck should not have been. There was no doubt it was his fault.

I remember the moment when she called me. “They’re saying it’s my fault!” She sobbed.

The police report came back blaming her, saying a witness in the car behind the tanker supported his story!!! I was incensed, sure the locals in the car were colluding with the truck driver, also local, and maybe the local officer. The officer who responded, told D the truck driver was crying, sure he had killed them and kept saying he’d never had an accident. She said the officer spoke briefly with the “witnesses “ in the car and waived them off as if he knew them.

When the accident report came back blaming her, she was so upset, outraged even, but then she began to doubt her own story. I felt helpless but never doubted her. I called our agent and insisted the accident be thoroughly investigated. He assured me it would be but, other than handling our claim quickly and professionally, we’d not been given any indication the matter was still open.

At the time, our claim rep interviewed D over the phone and received the pics and video. She was out of an office half the state away. She said D’s story definitely indicated it was the truckers fault but after the police report was issued, silence. WTF!

Out of the blue, D received an email today saying she was being refunded her claim deductible due to subrogation. Vindication!

[tonyglowheart]

Ugh god finally called the other guy's insurance claim agent back & the guy denied liability, so unless there's video or a witness somehow, it's probably going to be split liability, I'd have to get repairs through my insurance company, and then they try to get it settled through subrogation. Home Depot will only release footage if there's a police report, the police will not take a report for this kind of incident on private property only a public road

and I took shitty photos cuz I was in such a rush lol I didn't even take pics of the car positions. there maaaaybe was a witness who was getting carts, but I didn't think to get the guy's info then/ask if he witnessed it 8)

I could try to go back to the Home Depot I guess but. argh. 8)

[productliabilityinvestigation]

Litigation Support for Insurance Claims: The Forensic Advantage

In the fast-paced world of insurance, claim accuracy and fraud detection are mission-critical. As the complexity of claims increases, so does the need for precise, unbiased insights to support litigation and settlement decisions. This is where forensic litigation services come into play—offering a powerful blend of engineering expertise, scientific analysis, and courtroom credibility to support insurers in dispute resolution, subrogation, and fraud mitigation.

Whether you're handling a property loss, equipment failure, structural collapse, or fire-related incident, having a forensic expert in your corner can significantly reduce claim uncertainty and legal exposure.

Why Insurers Need Forensic Litigation Services

Insurance professionals often operate under intense pressure to process claims efficiently while minimizing risk. But when claims are contested—whether due to suspected fraud, conflicting narratives, or technical complexity—insurers must rely on facts rooted in science. That’s exactly what forensic litigation services provide.

These services involve the investigation and analysis of physical evidence, expert interpretation of technical data, and professional testimony that can hold up in court. More importantly, they bring objectivity to emotionally and financially charged situations, helping claims professionals reach fair outcomes based on evidence, not assumptions.

Key benefits include:

Objective, science-based analysis

Faster claim resolution

Reduced litigation costs

Stronger legal defensibility

Accurate subrogation decisions

Common Insurance Cases That Require Forensic Support

Insurance claims often involve technical questions that go beyond policy wording or claims history. Here are some scenarios where forensic litigation services make a measurable difference:

1. Fire and Explosion Investigations

Determining the origin and cause of a fire is vital in property and liability claims. Forensic investigators use NFPA-compliant methods to establish cause, rule out fraud, and identify potential subrogation opportunities if a third party is at fault.

2. Structural Failures

When a building collapses or sustains damage, forensic engineers analyze material failure, construction defects, or external forces like weather. This insight helps insurers validate claims and determine if another party should be held liable.

3. Vehicle and Equipment Failures

Was the mechanical failure a result of wear and tear or a manufacturing defect? Forensic experts can assess failed components to determine causation—critical in product liability claims or high-value equipment losses.

4. Slip, Trip, and Fall Incidents

Forensic specialists use biomechanical engineering, human factors analysis, and environmental assessments to evaluate whether the incident aligns with reported injuries—supporting liability assessments and defending against fraudulent claims.

5. Water Damage and Mould Claims

Is water infiltration due to poor maintenance or a covered peril? Forensic building scientists can trace water intrusion paths and determine if damage was sudden, accidental, or gradual.

Accelerating Claims Processing with Expert Insights

Time is money in the insurance world. Forensic experts don’t just support litigation—they help resolve disputes before they escalate. Here’s how:

Early Site Investigations Immediate deployment of forensic teams preserves evidence, captures site conditions, and prevents evidence tampering or degradation.

Detailed Reports with Legal Clarity Forensic litigation services deliver clear, defensible reports that stand up in court or negotiation—reducing back-and-forth delays between adjusters, lawyers, and claimants.

Support During Mediation or Trial When cases go to litigation, experienced forensic consultants act as expert witnesses, delivering courtroom-ready testimony that simplifies technical subjects for judges and juries.

Fraud Detection: One of the Strongest Advantages

Insurance fraud costs billions each year. Forensic analysis is one of the most effective tools in detecting staged accidents, falsified claims, and exaggerated damage reports.

For instance, a fire claim may appear straightforward—until the forensic investigator finds evidence of accelerants or tampering with electrical systems. Similarly, a slip-and-fall claim might not hold up when experts determine floor friction met safety standards and security footage contradicts the story.

By investing in forensic litigation services, insurance providers not only protect their bottom line but also uphold the integrity of the claims process.

Choosing the Right Forensic Partner

Not all forensic firms are created equal. When selecting a litigation support partner, insurers should look for:

Multidisciplinary Expertise From electrical to structural engineering, chemistry to biomechanics, your forensic provider should offer a range of specialists under one roof.

Courtroom Experience Select experts who are experienced in depositions and court testimony, with a proven track record of success in litigation settings.

Clear Communication Skills The best forensic reports are not only accurate—they’re understandable. Your partner should explain complex findings in a way that claims adjusters, legal counsel, and juries can easily grasp.

National Reach and Rapid Deployment Incidents don’t wait. Work with firms that can mobilize quickly and support claims across the country.

Final Thoughts: A Strategic Investment in Claims Success

Forensic litigation services are more than a reactive tool—they’re a strategic advantage. By equipping insurers with scientific clarity, technical credibility, and legal strength, these services transform complex claims into manageable, evidence-driven cases.

In a world where every claim matters, every dollar counts, and every legal decision is scrutinized, partnering with a reliable forensic litigation provider isn't just smart—it's essential.

[abboudlawfirm-tucson]

How are medical bills handled in a personal injury case?

If you’ve been hurt in an accident, the last thing you want to worry about is how to pay for your medical bills. But in places like Downtown Tucson, Midtown, or even nearby areas like Oro Valley and Marana, accidents can happen when you least expect them. Knowing how your medical expenses are managed after an injury—and having the right personal injury attorney in Tucson, AZ by your side—can make all the difference in your recovery.

Let’s break down what you need to know, whether you’re in East Tucson, West Tucson, South Tucson, Sahuarita, or anywhere in between.

What Happens to Your Medical Bills After an Accident?

When someone else’s carelessness causes your injury, you may be entitled to compensation through a personal injury claim. That claim often includes coverage for:

Emergency room visits

Surgery and specialized procedures

Medications and medical supplies

Follow-up doctor visits

Physical therapy and rehab

The person or business responsible for your injury is usually liable for your costs—but getting those bills paid isn’t always simple. That’s where working with a trusted Tucson attorney becomes essential.

Who Pays Your Medical Bills First?

Here’s how it typically works:

Health Insurance Coverage: If you have insurance, it might pay some of your bills upfront. Later, your insurer may ask to be reimbursed from your settlement (this process is called subrogation).

Direct Settlement Payments: In many cases, your personal injury attorney can negotiate a full or partial payment directly with the at-fault party’s insurance once your treatment is finished.

Out-of-Pocket Costs: Some bills may need to be paid out-of-pocket while your case is still ongoing. Keep records of everything—you can seek reimbursement later.

If you live in areas like Sahuarita or Oro Valley, where access to certain specialists might require more travel or out-of-network care, your medical costs may vary even more, which makes accurate tracking and negotiation especially important.

Why You Need a Personal Injury Attorney in Tucson, AZ

Hiring an experienced personal injury attorney helps you protect your rights—and your finances—during this stressful time. Here’s what a lawyer can do for you:

Negotiate with Insurance Companies: Whether you’re in Midtown or Marana, insurers are rarely eager to pay. Your attorney will fight to get your bills covered.

Handle Documentation: Your legal team will organize and present the right evidence, from hospital bills in West Tucson to physical therapy receipts in Sahuarita.

Offer Legal Guidance: Every neighborhood has different dynamics, but Arizona law applies. Your Tucson-based lawyer will guide you every step of the way.

Serving Clients Across Tucson and Surrounding Areas

At Abboud Law Firm, we proudly serve clients throughout Tucson—including:

Downtown Tucson

East Tucson and Midtown

West Tucson and South Tucson

Oro Valley, Marana, and Sahuarita

We understand that each area has its unique challenges when it comes to medical care access, insurance networks, and local providers. That’s why we tailor our approach to your needs, regardless of location.

Common Questions About Medical Bills in Injury Claims

Do I have to pay back my health insurance?

Yes, most insurers require repayment if they cover your treatment before you receive a settlement.

What if I don’t have insurance?

If uninsured, your lawyer may help arrange delayed billing or medical liens until your case is resolved.

Can I get compensation even if I’m partly at fault?

Yes. Arizona follows comparative fault rules, so you may recover some medical costs even if you're partially responsible for the accident.

Don’t Face This Alone, Let a Tucson Attorney Help

Medical bills shouldn’t stand in the way of your recovery. Whether you're seeking help in Oro Valley, Marana, Sahuarita, or the heart of Tucson, our team at Abboud Law Firm is ready to fight for your compensation.

Call us at (520) 317-6800 for a free consultation with a dedicated personal injury attorney in Tucson, AZ. Let us help you move forward with confidence and peace of mind.