The insurer must include the insured's deductible, if any, in
its subrogation demands. Any recoveries must be allocated first to the insured
for any deductible(s) incurred in the loss, less applicable comparable fault.
Deductions for expenses must not be made from the deductible recovery unless an
outside attorney is retained to collect the recovery. The deduction may then be
made only as a pro rata share of the allocated loss adjustment expense. The
insurer must keep its insured regularly informed of its efforts related to the
progress of subrogation claims. "Regularly informed" means that the insurer
must contact its insured within sixty days after the start of the subrogation
process, and no less frequently than every one hundred eighty days until the
insured's interest is resolved.