Comprehensive insurance policy subrogation and average method calculation

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Enayet Hossain

Formation

VALUE

21,00,000

PREMIUM
SUM INSURED
COMPREHENSIVE
POLICY 9,00,000
23531

LOSS
OCCURED 30000

RECOVERY
(3rd PARTY) 20000

YET TO BE
INDEMNIFIED 10000

CAN HE RECOVER THE UNINDEMNIFIED
TK.10000 LOSS FROM ???

PRINCIPLE OF SUBROGATION SAYS -

YES

AVERAGE METHOD

MAXIMUM
PAYABLE BY
12857

PAYS 10000

RECOVERY INDEMNITY LOSS

12857 32857
30000

10000 30000

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