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Simple English definitions for legal terms

risk-stops-here rule

Read a random definition: Palmer's Act

A quick definition of risk-stops-here rule:

The risk-stops-here rule is a principle in insurance that says an insurer cannot recover from someone whose rights are equal or better than theirs. This means that if someone else's actions are not worse than the insured's, the insurer cannot seek compensation from them. The rule also states that an insurer can only use subrogation against someone whose actions are worse than the insured's.

A more thorough explanation:

The risk-stops-here rule is a principle in insurance that states an insurer cannot recover from anyone whose equities are equal or superior to the insurer's. This means that if someone else's rights or interests are just as important as the insurer's, the insurer cannot take legal action against them to recover any losses.

For example, let's say a person's car is damaged in an accident caused by another driver. The person's insurance company pays for the repairs and then seeks to recover the costs from the other driver's insurance company through subrogation. However, if the other driver's insurance company can prove that their client was not at fault or that their client's rights are equal or superior to the person's insurance company, the risk-stops-here rule would prevent the person's insurance company from recovering any costs.

The risk-stops-here rule is based on the doctrine of superior equities, which means that the rights of one party cannot be superior to the rights of another party. This principle ensures that all parties are treated fairly and that no one is unfairly disadvantaged.

risk of nonpersuasion | risk-utility test

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got a random stanford email and almost had a heart attack
ALSO CONGRATS!
Congrats1!
21:15
Miami A, yall I'm so excited I could cry.
21:15
Feel like I can finally stop holding my breath!! Whew!!!
[] baddestbunny
22:16
every time I get accosted by a strange man who follows me around because my male coworkers were too busy talking to walk me back to my car I get closer to saying we need to bring back traditional gender roles
Dkk
22:32
Nice! @Macaque
Dkk
22:32
@Aromatic, Have to guess.
Dkk
22:33
That sucks @Bunny do you have to go to the hospital?
[] baddestbunny
22:40
I said accosted not assaulted
23:35
guys. my notre dame address just went long is this good or bad
1a2b3c4d26z
23:37
Oooooo me too
23:37
omg is this good or bad
Dkk
23:47
Idk if gender roles are gunna fix that then.
23:49
it looks like most people who applied in october last cycle didn't get a decision until january... does it even mean anything that our addresses went long??
hows ED 2 compared to ED 1?
Dkk
0:10
No idea
windyMagician
0:34
reporting live to say my ndls address also went long
does it mean anything ^
Dkk
2:21
NDLS and Fordham took a very long time last year. It's good info for people to know.
[] baddestbunny
4:29
let’s get after it boys and girls
Dkk
5:21
I gtg to bed soon.
Dkk
5:22
Big day today. Gunna be a crazy one. I will sleep through the first half.
good morning lsd it is 5 am EST
also jazzy my ndls address went long ages ago i sadly do not think it means anything
my stanford address also went long LOL i think at most it's an indicator it's under review
WorthlessAttractiveZombie
7:44
My berkeley paragraph finally disappeared. I definitely think it is just an indicator that they are actively reviewing files, and does not mean anything about A, WL, or Rs
WorthlessAttractiveZombie
7:46
Also has anyone's date disappeared for W&L? Mine did last night
7:55
@WorthlessAttractiveZombie: mine did yesterday morning
7:56
Oops sorry I meant Vilanova. Mine disappeared last week
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