Rinehart v. Farm Bureau Mutual Insurance Co. of Idaho, Inc.

DONALDSON, Justice.

This is an action brought by the named insureds, plaintiffs-appellants Gary Rinehart and Vicki Rinehart, husband and wife, to recover under the medical payment provisions of an automobile insurance policy issued by respondent Farm Bureau Mutual Insurance Company of Idaho. The case is of first impression in Idaho, and tests the validity of a subrogation clause in an automobile insurance policy, whereby the insurer, to the extent of advanced medical payments, is subrogated to the insured’s rights of recovery against third parties.

The facts of this case are not in dispute.…