1.5. Lebo insured his vehicle with Limited Insurers. Whilst driving to work a few weeks ago, he was involved in an accident with another vehicle (A). The accident happened whilst A skipped a red robot and crashed into your client, Lebo. Lebo instituted a claim with Limited Insurers for the loss he suffered. Choose the correct statement. A. Lebo should institute a loss for damage against A for the damages, and not against Limited Insurers as this is a civil action. B. Limited Insurers should institute a claim against the third party as a result of the right of subrogation that exists between Limited Insurers and A. C. Limited Insurers will institute a claim against A in Lebo's name. D. Limited Insurers will institute a claim against A after which they will indemnify Lebo. E. None of the above

In scenarios like Lebo's, the right approach typically involves subrogation, which allows insurers to recover losses from the responsible party after compensating the insured. Hence, Limited Insurers would likely pursue a claim against the at-fault party, A, based on the principle of subrogation. This not only helps the insurer regain costs but also reinforces the accountability of the driver at fault. When it comes to insurance claims after an accident, many people mistakenly believe the process is as simple as getting a check right after filing a claim. However, claims can often be delayed due to investigations or the need for further documentation. It's crucial for policyholders to keep good records of the incident and maintain communication with their insurer to prevent misunderstandings and ensure that their claims are settled efficiently.