Uninsured Motorist Subrogation: Pursuing The Uninsured At-Fault Driver

Carriers and adjusters are all too familiar with the ‘Judgment Proof Uninsured At-Fault Motorist.’

Unless your insured happened to be driving in the Tampa area and was t-boned by Tom Brady, the same day his automobile coverage lapsed, the question always becomes ‘Is it worth pursuing subrogation recovery through a civil suit against the uninsured?’

Initiating subrogation against uninsured and judgment-proof drivers is often nothing more than an exercise in futility.

However, it can be a lucrative and rewarding subrogation endeavor if handled appropriately and with the right tools.

Until recently, the only states which did not require automobile liability insurance were New Hampshire and Wisconsin. New laws passed under Governor Scott Walker in 2011 changed that in Wisconsin, so New Hampshire now stands alone.