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Have you been looking for a podcast that focuses on insurance subrogation?  Of course you have, and here you are!  On Subrogation is brought to you by national subrogation law firm, Rathbone Group, LLC, and hosted by experienced litigators, who focus their practice on subrogation.  It is the podcast about how to recover your damages from the people who caused them.

Topics span litigation, claims, and many more.

To ask questions or suggest future topics, e-mail us at

Special thanks to Ralph DiSylvestro for our intro and outro music!

May 28, 2021

The Made Whole Doctrine protects an insured’s right to recovery before recovery is collected by its insurer.   But what if the tortfeasor does not have enough insurance to cover the loss? Is the insured entitled to recovery for pain and suffering? And the ultimate question, when is the insured considered fully compensated for the loss?

Being “made whole” varies even in those states that do apply the Made Whole Doctrine.    Listen as Steve and Rebecca lead you through several states’ application of the doctrine, from those that require a legal determination that the insured has been made whole before any subrogation recovery, to those that parse out the doctrine based on damage types, to those that reject it entirely.