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Simple English definitions for legal terms

antisubrogation rule

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A quick definition of antisubrogation rule:

An antisubrogation rule is a principle in insurance that states that an insurance company cannot make a claim on behalf of the insured or for payments made under the policy against its own insured for the risk covered by the policy. Subrogation is the substitution of one party for another whose debt the party pays, entitling the paying party to rights, remedies, or securities that would otherwise belong to the debtor. Legal subrogation arises by operation of law or by implication in equity to prevent fraud or injustice.

A more thorough explanation:

Definition: The principle that an insurance carrier cannot assert a claim on behalf of the insured or for payments made under the policy against its own insured for the risk covered by the policy.

Subrogation: The substitution of one party for another whose debt the party pays, entitling the paying party to rights, remedies, or securities that would otherwise belong to the debtor.

For example, if a surety pays a debt, they are entitled to any security for the debt held by the creditor and the benefit of any judgment the creditor has against the debtor. They may proceed against the debtor as the creditor would. This is known as subrogation.

Conventional Subrogation: Subrogation that arises by contract or by an express act of the parties.

Legal Subrogation: Subrogation that arises by operation of law or by implication in equity to prevent fraud or injustice. Legal subrogation usually arises when:

  1. The paying party has a liability, claim, or fiduciary relationship with the debtor.
  2. The party pays to fulfill a legal duty or because of public policy.
  3. The paying party is a secondary debtor.
  4. The paying party is a surety.
  5. The party pays to protect its own rights or property.

The antisubrogation rule prevents an insurance carrier from using subrogation against its own insured for the risk covered by the policy. This means that if an insured suffers a loss covered by their insurance policy, the insurance carrier cannot seek reimbursement from the insured for any payments made under the policy.

For example, if a homeowner's insurance policy covers damage to their home caused by a storm, the insurance carrier cannot seek reimbursement from the homeowner for any payments made under the policy. This is because of the antisubrogation rule.

antispamming law | antitakeover statute

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1a2b3c4d26z
11:29
well mobility in general
m10
11:29
Nah you wanna be wound up tight like a clock. All your parts working in synchronization, never missing a second.
BulbasaurNoLikeCardio
11:30
When I get home I think I will pull up a youtube yoga video and lay out the mat by the fireplace now, feeling guilty I haven't been stretching properly
1a2b3c4d26z
11:30
tighter you are, more potential energy you have. Your body is a spring. It's just physics
m10
11:30
Exactly.
JumpySubsequentDolphin
11:30
yoga classes stress me out
WorthlessAttractiveZombie
11:31
W&L put their scholarship info on the portal for those who were admitted 11/12
m10
11:31
Gotta always be ready to release that energy. Like if I am in a fight at the bar, I just gotta bust out a couple punches. No stretching.
JumpySubsequentDolphin
11:31
the instructor will be like "forget all of the things that youre stressing about" which reminds me of all of the things im stressing about
BulbasaurNoLikeCardio
11:32
I am too competitive to do yoga classes with other people. Try to stretch better or further then hurt myself lmao I am beyond competitive in anything physical.
babycat
11:32
if you guys all pay me to be your lsat tutor I can afford to do Pilates classes
JumpySubsequentDolphin
11:32
hot yoga was fun
JumpySubsequentDolphin
11:32
i loved barre and pilates when i did them together
m10
11:33
Here's an article from Testosterone nation for all you men out there on why stretching is bullshit. https://archive.t-nation.com/training/stretching-is-b-s/
snow
11:36
M so close to crashing out
BulbasaurNoLikeCardio
11:36
@babycat: If the person I am mentoring decides to listen to my advice instead of just discussing my advice I will pay you to tutor her. You seem like a smart, good and well put together person that she can probably learn well from.
babycat
11:37
Aw that’s so sweet Bulbasaur <3
11:39
@m10: stretching absolutely helps with tight tendons lol
11:39
now kiss
m10
11:40
@EvolBunny: Indeed! I am just riffing. Practicing for when I get into Chicago and do standup there on the weekends and get mad pussy.
11:40
You only do cardio on the weekends ;)
babycat
11:40
@m10: I have a friend that does this but he doesn’t get mad pussy
m10
11:40
I'll work that in! Sounds like a good way to segway.
m10
11:41
@babycat: yeah, well unlike 99.99% of people who do standup I will.
BulbasaurNoLikeCardio
11:41
To do stand up comedy you have to have fat balls, that is awesome
m10
11:41
Woah, I got little balls. Like Adam Friedland. I ain't no Stavros.
what are we hoping for today?
m10
11:44
Nothing. No news is good news for me.
11:44
Crickets coming from my status update
babycat
11:45
dk are we gonna go to a homoerotic law school together?
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