Federated Mutual Insurance Co. v. Cole
An insurance company can bring a subrogation action on behalf of an insured for damage to property. Allegedly, the defendant, Caitlin Cole, collided with a gas pump, and then informed the owner that the gas pump did not work. The owner used the driver's credit card information to obtain the driver's identity and called the police. Allegedly, the driver admitted that she collided with the gas pump. The owner's insurance company, Federated Mutual Insurance Co., paid the owner $6,395, and then brought a subrogation action against the driver. The driver failed to appear. At a hearing in damages, the court found that the damage to the gas pump cost $6,895, and there was a $500 deductible. The court awarded the plaintiff insurance company damages in the amount of $6,895.