If you suffer a loss for which you are legally entitled to recovery and we have already made payment to you under your policy, we may pursue reimbursement from the responsible party or their insurance carrier. At that time, we will attempt to recover any additional repair expenses you've paid.

However, if you are injured, the law does not allow us to present your personal injury claim against another party or insurer. If you have medical payments coverage on your policy, we can assist with your resulting medical bills within the terms, limits and conditions of your policy.