Insurance claim files are overflowing with losses involving individuals injured when they trip and fall over cracked, broken, or uneven municipal sidewalks. In many cases, the injury is a direct result of a municipality failing to institute and/or conscientiously follow its own policies regarding inspection, maintenance, and repair of miles of sidewalks. Understanding the potential liability of the municipality and how and when a subrogated insurance company can subrogate against it when such injuries occur is essential to any successful subrogation program.     Read the article……………………….