---
title: "Extract subrogation and other-insurance clauses from the policy"
url: "https://ailawframework.com/practice/insurance-law/map-subrogation-and-contribution-rights-from-the-policy-and-the-loss-fil/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A22-T1-R5-US"
practice_area: "Insurance Law"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Extract subrogation and other-insurance clauses from the policy

> Copy each subrogation, contribution, and other-insurance clause with the policy name and the heading. Include any figure printed in the clause. Do not say which insurer pays first or whether a recovery must be shared.

Canonical page: https://ailawframework.com/practice/insurance-law/map-subrogation-and-contribution-rights-from-the-policy-and-the-loss-fil/united-states  
Last reviewed: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Insurance Law](https://ailawframework.com/practice/insurance-law.md) |
| Human involvement | Yellow: Lawyer and AI draft together |
| How AI is used | Copy each subrogation, contribution, and other-insurance clause with the policy name and the heading. Include any figure printed in the clause. Do not say which insurer pays first or whether a recovery must be shared. |
| What the lawyer must review | 15 U.S.C. § 1012 leaves that question to state insurance law unless a federal act specifically relates to the business of insurance. California Insurance Code § 790.03 includes misrepresenting to a claimant pertinent facts or policy provisions relating to coverages at issue. You decide the order of payment. No made-whole case was opened. |
| Written for | United States |
| Applies to | [Map subrogation and contribution rights from the policy and the loss file](https://ailawframework.com/practice/insurance-law/map-subrogation-and-contribution-rights-from-the-policy-and-the-loss-fil.md) |

## Checking plan

- What the AI does: Copy each subrogation, contribution, and other-insurance clause with the policy name and the heading. Include any figure printed in the clause. Do not say which insurer pays first or whether a recovery must be shared.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- The table collects clauses. It does not state a subrogation formula.
- Do not pin a subsection letter inside § 790.03. The opened text states the misrepresentation act without a letter used here.

## Sources

- [15 U.S.C. § 1012, McCarran-Ferguson Act: regulation by State law](https://www.law.cornell.edu/uscode/text/15/1012) (checked 2026-10-22)
- [California Insurance Code § 790.03, unfair methods of competition and unfair acts](https://california.public.law/codes/ca_ins_code_section_790.03) (checked 2026-10-22)

## Forms and precedents for this task

| Form or precedent | Kind | AI level | Summary |
| --- | --- | --- | --- |
| [Subrogation limits against family and a permitted driver](https://ailawframework.com/precedents/insurance-law/subrogation-limits-against-family.md) | Checklist | Yellow | Checklist of Insurance Contracts Act 1984 section 65, which limits subrogation against a family member or a person allowed to use the insured vehicle. |

Signed-in accounts can read the full text of each one.

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*