Subrogation En Español
| Understanding Subrogation and Third Party Claims Makes the Difference Between Recovery or no Recovery: |
| Gallegos Comes to the Rescue: Gallegos performed an analysis of the files and determined that the County's rights to recovery did not come under the jurisdiction of subrogation as there were no transactions between a subrogee and subrogor. In essence, the County owned and operated the damaged property and voluntarily paid for the repairs as it was a self-insured entity. Hence, Gallegos made demands on all defiant insurance carriers and demonstrated to them that the County's right to recovery were based on negligence, proximate cause, and actual loss or damage to property owned and operated by the County. Therefore, the demands were not subrogation demands but in all actuality, they were third party claims. Hence, what was required for payment of each claim was not a proof of payment but a proof of damage. Gallegos submitted the proof of damage for each claim. All insurance carriers paid-balance in full. Mission accomplished. |
| Case study A |
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| A reputable third party claims administrator of forty years representing the most populous County in the United States was unable to collect from a large number of Spanish speaking adverse drivers. Because of language and cultural barriers, the third party claims administrator was unable to communicate effectively. The presumption was made that the Spanish speaking adverse drivers were uninsured. |
| Gallegos made contact with the Spanish speaking motorists and determined that approximately 70% of the motorists maintained valid policies that were in forced at the time of the collisions. |
| Gallegos submitted demands to all insurance carriers involved. |
| The insurance carriers refused to pay citing that there was no proof of payment. |
| The third party Claims administrator and the County were concerned as they were unable to locate the proof of payment. |
Subrogation In Spanish
Hartford Connecticut
Washington D.C.
| GALLEGOS & GALLEGOS |
| GALLEGOS & GALLEGOS |
| This Is why We are Excellent, Focusing, Concentrating, Deliberating, Contemplating, Pondering and Studying, One Subject At One Time And One Subject Only-Subrogation And Third Party Claims. |
| 1714. (a) Everyone is responsible, not only for the result of his or her willful acts, but also for an injury occasioned to another by his or her want of ordinary care or skill in the management of his or her property or person, except so far as the latter has, willfully or by want of ordinary care, brought the injury upon himself or herself. |
| 1. CIVIL CODE SECTION 1714. (a) |
| Grant v. de Otte (1954) 122 C.A. 2d 724, 728, 729, 265, P.2d 952; Employers Mut. Liability Ins. Co. v. Pacific Indem. Co. (1959) 167 C.A. 2d 369, 376, 334 P.2d 658; Caito v. United Calif. Bank (1978) 20 C.3d 694, 704, 144 C.R. 751, 576, P.2d 466. |
| SUBROGATION |
| SUBROGATION AND THIRD PARTY CLAIM RECOVERY SPECIALISTS |
| Specializing in communicating your subrogation and third party claimant recovery demands to the Spanish speaking community |
| This Is why We are Excellent, Focusing, Concentrating, Deliberating, Contemplating, Pondering and Studying, One Subject At One Time And One Subject Only- Subrogation And Third Party Claims. |
| FRONT LINES |