State RegulationsOH specificDifficulty 1/5
In Ohio A&H insurance, subrogation is best described as:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Subrogation is the legal right by which an insurer that has paid benefits succeeds to the insured's rights of recovery against the person responsible for the loss, and Ohio Revised Code § 2323.44 addresses insurers' subrogation rights in connection with insured persons' third-party injury claims. The doctrine lets the insurer recoup benefits from the wrongdoer while preventing the insured from being compensated twice for the same loss. The Ohio Department of Insurance lists subrogation among the standard A&H policy concepts in the examination content.
Why the other options are wrong
- A) Collecting from two insurers for one loss describes overinsurance, which other-insurance provisions prevent; it is not subrogation.
- B) Paying a claim does not create a cancellation right; the physical-examination and other provisions govern post-claim insurer rights, not cancellation.
- D) The duty to submit to examination at the insurer's expense is the physical-examination provision, an entirely separate policy concept.
Memory hook
Subrogation = the insurer inherits the insured's claim.