Older cars aren’t usually worth enough to continue to pay for full coverage...that doesn’t mean you have to lose out if you are hit by someone else.
The dog owner is liable for the damage her dog caused and that means her liability insurance should pay. If she doesn’t have insurance that will cover this situation, if she didn’t “man-up”, then she is a “blood sucking leech” and should “get the coverage”.
See the difference?
Ah!
“Older cars aren’t usually worth enough to continue to pay for full coverage”
In who’s estimation? The owner has willfully declined to indemnify himself from a loss such as this and pocket the cost of the C/C premium.
This can go on forever. You use impressive words like subrogate and I speak about the ethics of living a self-reliant life. Can we agree to disagree?
None of that will matter. The car owner will have to prove negligence on the homeowners part, but that’s a discussion for another day..........