there is a process in insurance loss called subrogation where the insurer covers the loss then pursues a 3rd party who was ultimately responsible (dryer defect causes a house fire). insurance companies usually subrogate to companies that have financial means to settle etc. if your pev catches fire and burns down someone`s house, you are not personally responsible anymore than you are if your car spontaneously catches fire and burns down your neighbors house. spontaneous ignition of a PEV lies wi
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