This means that private health insurers do not have subrogation rights against a person's personal injury settlement. Under the ASR, an insured "has no right of subrogation against its own insured for a claim arising from the very risk for which the insured was covered.The Arizona Court of Appeals recently issued a memorandum that provided a great refresher of the doctrine of equitable subrogation in Arizona. Each party's insurance companies pay claims without regard for fault, and the work carries on as planned. Waiver of subrogation applies. It is further agreed that no policy shall expire, be canceled or materially changed to affect the coverage available to the State. An insurer generally may not subrogate against its own insured or any person or entity who has the status of a co-insured under the insurance policy. Contractor are involved in an accident without the necessary insurance coverage, the Contractor agrees to indemnify. If, in the judgment of the MAG Contract Administrator, the financial statement does not establish the CONSULTANT's ability to fund the deductible and no other. However, not every case is appropriate for joint representation.