If an independent, at-fault party is responsible for damages to a member’s covered property and TNRMT reimburses the member under the coverage terms, TNRMT is subrogated to the member’s legal rights against the responsible party.  It is our policy to pursue recovery against all third parties and we will seek recovery through every available recourse as long as it makes economic sense.  If we are successful in making a full recovery, we will then reimburse the members’ deductible in full as well.