Tom visits George at his ranch.Although a novice on horseback,Tom decides to join George on a morning ride.George recommends that Tom ride an unbroken stallion named Satan.While mounting Satan,Tom is thrown headlong through the windshield of Tom's car.The damage to the car is $2,000 and Tom's own insurance pays him $1,500 ($500 deductible).Under what principle could Tom's insurance company sue George for his negligence?

Question

Quizplus · Accepted Answer

The principle that applies in this situation is subrogation, which allows Tom's insurance company to legally "step into his shoes" and sue George for his negligence to recover the money they paid out to Tom.

Tom Visits George at His Ranch