Subrogation rights under a personal auto policy would NOT apply to which type of coverage?

Subrogation rights in a personal auto policy refer to the insurer's ability to pursue a third party that caused an insurance loss to recover the amount of the claim it has paid. This can be significant in maintaining the insurer's financial integrity by allowing them to recover costs.

In the context of personal auto insurance, physical damage coverage typically includes both collision and comprehensive coverage. These types of coverage are meant to cover the insured’s own property losses regardless of fault. Since the purpose of these coverages is to provide financial protection directly to the insured without involving another party, subrogation rights do not apply in these situations. If an insurer pays a claim under physical damage coverage, they cannot seek recovery from another party because the insured is not held liable to anyone else for those damages in the same manner as with other types of liability or coverage.

In contrast, subrogation rights do apply to liability coverage because if an insured causes an accident, the insurer may seek to recover damages from the at-fault party who caused the loss to the insured. Similarly, in cases of uninsured motorist coverage, subrogation can come into play when the uninsured motorist is at fault. Medical payments coverage is also unique in that it is typically intended to cover medical expenses