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The Made Whole Doctrine: How to Win Subrogation Fights When Multiple Insurers Claim the Same Recovery

Examines the Made Whole Doctrine’s jurisdictional variations and coverage applications, plus effective negotiation strategies for resolving subrogation claims efficiently.

2026-01-19 13:00:00

Program Details

2026-01-19 13:00:00

Program Details

2026-01-19 13:00:00

Over 1,000+ webinars

2026-01-19 13:00:00

Course Overview

Mastering Made Whole Doctrine in Subrogation

2026-01-19 13:00:00

Participants will learn how the Made Whole Doctrine impacts subrogation recovery across different coverage types and jurisdictions. These strategies enable efficient claim resolution and effective settlement negotiations.

Format

CLE Credit

2h CLE Credits

Level

Intermediate

Length

2

Key topics that will be covered

01
Doctrine Fundamentals
The Made Whole Doctrine protects insureds from insurers recovering before equitable recovery.
02
Coverage Application
Medical payments receive strong protection; property damage claims generally do not.
03
State Variations
States range from insured-favorable like California to insurer-favorable like Texas.
04
Workers’ Compensation
Statutory rights often override equitable Made Whole principles in workers’ compensation claims.
05
Litigation Strategy
Early identification and intervention provide the strongest defense against Made Whole claims.
06
Negotiation Tactics
Gathering information, de-escalating conflict, and maintaining civility achieves better settlements.

Program schedule

clock 1:00 pm - 2:00 pm EST

Understanding the Made Whole Doctrine Fundamentals

This session introduces the Made Whole Doctrine, exploring its equitable origins and what it truly means to be ‘made whole’ in subrogation claims. Attendees will learn the policy rationale behind the doctrine, its relationship to subrogation and reimbursement, and common misconceptions about when it applies.

Donald HendersonDonald Henderson
Rebecca WrightRebecca Wright
clock 2:00 pm - 2:10 pm EST

Break

A brief intermission allowing attendees to refresh before continuing with advanced Made Whole topics. Use this time to review notes and prepare questions for the remaining sessions.

Donald HendersonDonald Henderson
Rebecca WrightRebecca Wright
clock 2:10 pm - 2:40 pm EST

Coverage Applications and State Jurisdictional Variations

This session examines how the Made Whole Doctrine applies differently across coverage types including medical payments, PIP, property damage, and workers’ compensation. Attendees will explore critical state-by-state variations through case studies of California, Wisconsin, Texas, Louisiana, and Florida.

Donald HendersonDonald Henderson
Rebecca WrightRebecca Wright
clock 2:40 pm - 3:10 pm EST

Negotiating Settlements Effectively in Subrogation Claims

Learn practical strategies for negotiating subrogation settlements through collaboration rather than confrontation. This session covers identifying opposing party opportunities, de-escalation techniques, understanding when precedent should yield, and maintaining a firm but friendly approach to achieve better outcomes.

Donald HendersonDonald Henderson
Rebecca WrightRebecca Wright
Donald Henderson

Donald Henderson

Matthiesen, Wickert & Lehrer, S.C

Rebecca Wright

Rebecca Wright

Rathbone Group

Donald Henderson

Donald Henderson

Matthiesen, Wickert & Lehrer, S.C

Donald Henderson is an associate attorney with the national subrogation law firm of Matthiesen, Wickert & Lehrer, S.C., focusing on insurance litigation with an emphasis on workers’ compensation, automobile insurance, and property and casualty subrogation.

Education & Credentials

J.D. from Marquette University Law School; clerkships with the United States Attorney's Office for the Eastern District of Wisconsin, Addison-Clifton, LLC, and Moertl, Wilkins & Campbell; licensed to practice law in Wisconsin.

Experience

Associate attorney at Matthiesen, Wickert & Lehrer, S.C. working out of the Hartford, Wisconsin office. Represents insurers, self-insured entities, and third-party administrators in recovering losses and navigating complex liability issues.
Rebecca Wright

Rebecca Wright

Rathbone Group

Rebecca W. Wright is a founding partner and Managing Partner at Rathbone Group, focusing on insurance subrogation for over a decade, litigating cases ranging from basic auto accidents to house explosions across several jurisdictions.

Education & Credentials

Law school graduate; litigating member of the Jonathan M. Ault Mock Trial Team with awards for Best Litigator; served as President of the Ranney Inn of the Phi Delta Phi legal fraternity.

Recognition & Leadership

Awards for Best Litigator during law school mock trial competitions; speaking engagements at National Association of Subrogation Professionals conferences including Litigation Skills Conferences and Annual Conventions; host on Rathbone Group's podcast 'On Subrogation.'

Professional Involvement

Volunteers as head coach for Summit Country Day School's High School Mock Trial Team, leading them to the Ohio Center for Law Related Education's State Competition; active in community theater.

Experience

Over a decade of experience in insurance subrogation litigation; founding partner of Rathbone Group; elected Managing Partner in 2023; conducts on-site educational seminars for insurance clients.
Donald Henderson

Donald Henderson

Matthiesen, Wickert & Lehrer, S.C

Donald Henderson is an associate attorney with the national subrogation law firm of Matthiesen, Wickert & Lehrer, S.C., focusing on insurance litigation with an emphasis on workers’ compensation, automobile insurance, and property and casualty subrogation.

Education & Credentials

J.D. from Marquette University Law School; clerkships with the United States Attorney's Office for the Eastern District of Wisconsin, Addison-Clifton, LLC, and Moertl, Wilkins & Campbell; licensed to practice law in Wisconsin.

Experience

Associate attorney at Matthiesen, Wickert & Lehrer, S.C. working out of the Hartford, Wisconsin office. Represents insurers, self-insured entities, and third-party administrators in recovering losses and navigating complex liability issues.
Rebecca Wright

Rebecca Wright

Rathbone Group

Rebecca W. Wright is a founding partner and Managing Partner at Rathbone Group, focusing on insurance subrogation for over a decade, litigating cases ranging from basic auto accidents to house explosions across several jurisdictions.

Education & Credentials

Law school graduate; litigating member of the Jonathan M. Ault Mock Trial Team with awards for Best Litigator; served as President of the Ranney Inn of the Phi Delta Phi legal fraternity.

Recognition & Leadership

Awards for Best Litigator during law school mock trial competitions; speaking engagements at National Association of Subrogation Professionals conferences including Litigation Skills Conferences and Annual Conventions; host on Rathbone Group's podcast 'On Subrogation.'

Professional Involvement

Volunteers as head coach for Summit Country Day School's High School Mock Trial Team, leading them to the Ohio Center for Law Related Education's State Competition; active in community theater.

Experience

Over a decade of experience in insurance subrogation litigation; founding partner of Rathbone Group; elected Managing Partner in 2023; conducts on-site educational seminars for insurance clients.

Credits by state

AK2.0
AL2.0
AR2.0
AZ2.0
CA2.0
CO2.0
CT2.0
DC2.0
DE2.0
FL2.0
GA2.0
HI2.4
IA2.0
ID2.0
IL2.0
IN2.0
KS2.0
KY2.0
LA2.0
MA2.0
MD2.0
ME2.0
MI2.0
MN2.0
MO2.4
MS2.0
MT2.0
NC2.0
ND2.0
NE2.0
NH120.0
NJ2.4
NM2.0
NV2.0
NY2.0
OH2.0
OK2.5
OR2.0
PA2.0
RI2.0
SC2.0
SD2.0
TN2.0
TX2.0
UT2.0
VA2.0
VT2.0
WA2.0
WI2.0
WV2.4
WY2.0

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MCLE Credits

Alabama
Approved
Alaska
Approved
Arizona
Approved
Arkansas
Approved
California
Approved
Colorado
Pending
Connecticut
Approved
Delaware
Pending
District of Columbia
No Required
Florida
Approved
Georgia
Approved
Hawaii
Approved
Idaho
Pending
Illinois
Pending
Indiana
Pending
Iowa
Pending
Kansas
Pending
Kentucky
Pending
Louisiana
Pending
Maine
Pending
Maryland
No Required
Massachusetts
No Required
Michigan
No Required
Minnesota
Approved
Mississippi
Approved
Missouri
Approved
Montana
Pending
Nebraska
Pending
Nevada
Pending
New Hampshire
Approved
New Jersey
Approved
New Mexico
Approved
New York
Approved
North Carolina
Pending
North Dakota
Approved
Ohio
Approved
Oklahoma
Approved
Oregon
Pending
Pennsylvania
Approved
Rhode Island
Pending
South Carolina
Pending
South Dakota
No Required
Tennessee
Approved
Texas
Approved
Utah
Pending
Vermont
Approved
Virginia
Pending
Washington
Approved
West Virginia
Pending
Wisconsin
Approved
Wyoming
Pending

Alabama

Requirements

The Alabama State Bar MCLE Commission requires attorneys to complete 12 credits, including 1 ethics, by December 31 of each year. All credits must be reported by February 15 of the following year. A maximum of 12 credits, including 1 ethics credit, may be carried over for 1 year only.  

Formats

  • Attorneys can earn unlimited “live” credit through live seminars, live webcasts, and co-sponsored locations with MyLAWCLE-Alabama approved programs
  • Attorneys are limited to 6 credits per compliance period of “online” programs through MyLAwCLE On-Demand programs