Opinion ID: 729639
Heading Depth: 2
Heading Rank: 3

Heading: Our Rights to Recover From Others

Text: 83 If we make any payment, we are entitled to recover what we paid from other parties. Any person to or for whom we make payment must transfer to us his or her rights of recovery against any other party. This person must do everything necessary to secure these rights and must do nothing that would jeopardize them. 84 However, as Prestige points out, the right to subrogate arises by contract, and since Bogle is not a party to Michigan Mutual's insurance contract, Michigan Mutual cannot impose the subrogation provisions in their policy against him. Bogle would be an insured under the Michigan Mutual policy if his truck were being used exclusively in the business of Wolverine under the Who is Insured provision of Michigan Mutual's policy. But if this is the case, then the Prestige policy excludes coverage under endorsement CA 23 10. This argument is unavailing.