Subrogation is important and good for you and me in regards to helping keep our own insurance premiums down that we have to pay the insurance company(ies).
To avoid awful care in case of catastrophic loss/injury, YOU ARE RESPONSIBLE TO YOURSELF AND YOUR FAMILY to purchase the right kind of Long Term Care and Disability Insurance that YOU WILL RELY ON in case of accident.
Don't blame the man, blame yourself if you ever get left short.
/ rant by licensed insurance agent
|