DOCTRINE OF SUPERIOR EQUITIES

doctrine of superior equities.Insurance. A rule by which an insurer is unable to recover from

anyone whose equities are equal or superior to the insurer’s; esp., a rule that a right of subrogation

may be invoked against another party only if that party’s guilty conduct renders the party’s equity

inferior  to  that  of  the  insured.  —  Also  termed  risk-stops-here  rule.  [Cases:  Insurance    3517;

Subrogation    1. C.J.S. Insurance §§ 1476, 1482, 1484, 1487; Subrogation §§ 2–15, 19, 91.] [Blacks Law 8th]