The theory of insurance is considered here when an insured individual may be able to sue another party for the losses … that the insured suffered — and thus when an insured has a potential source of compensation in addition to insurance … coverage. Insurance policies reflect this possibility through so-called subrogation provisions that give insurers the right to …

-bearing and insurance, for the liability system acts as an implicit insurer for accident victims and it imposes risk on potential … injurers (because they may have to pay judgments to victims). In this regard, victims' accident insurance and injurers …' liability insurance are taken into account. The third general aspect of accident liability is its administrative expense …

-bearing and insurance, and the costs of the liability system. Second, we consider property law, where we address the nature and …