Amica Mutual Insurance Co. v Muldowney

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At issue was what sort of “specific agreement” is required under DiLullo v. Joseph, 792 A.2d 819 (Conn. 2002), to overcome DiLullo’s presumption that a landlord’s insurer has no right of subrogation to bring an action against a tenant for damage the tenant caused to the rented property. The lower courts in this case concluded that it was sufficient for the lease to allocate to the tenant responsibility for damage caused by the tenant and to require the tenant to obtain insurance even without a specific agreement authorizing subrogation. The Supreme Court affirmed, holding (1) an express agreement that the tenant will bear responsibility for his or her negligence and needs to obtain his or her own insurance to cover that responsibility is the kind of “specific agreement” that will overcome DiLullo’s presumption against subrogation; and (2) the parties in this case made a specific agreement sufficient to overcome the application of DiLullo’s presumption against subrogation, and allowing subrogation was fair and consistent with the doctrine of equitable subrogation. View "Amica Mutual Insurance Co. v Muldowney" on Justia Law