1. Adelley is involved in an auto accident when Junior runs a red light and damages Adelleys car in the amount of $5,000. Junior is at fault for the accident. State Garden, Adelleys insurance company reimburses Adelley for the damage to her car, less a $1,000 deductible. Assuming there is a Subrogation Clause in the insurance contract between Adelley and State Garden, what are the rights of Adelley and State Garden against Junior?

2. In insurance, it is generally the case that the Insurer accepts the offer of the Insured to purchase insurance. Describe the rules for the ability of an Agent and Broker to accept the offer from the Insured in the Property & Liability and Life Insurance industries.