Which of the following is NOT a defined type of subrogation claim?

In the context of subrogation claims, defined types generally refer to established categories that are accepted within insurance and legal frameworks. Subrogation allows an insurer to pursue a third party that caused an insurance loss to recover the amount of the claim paid to the insured.

Vehicle usage, product usage, and premises usage are all common situations where subrogation claims may arise. For instance, if a vehicle is damaged due to the negligence of another driver, the insurance company can file a subrogation claim against that driver to recover costs. Similarly, if a defect in a product causes damage that leads to a claim, the insurer may seek subrogation from the manufacturer or distributor of the product. Premises usage can cover scenarios where injuries occur on someone else's property due to negligence, allowing the insurer to reclaim costs from the property owner or related parties.

Business service usage, on the other hand, is less clearly defined and is not typically recognized as a standard category for subrogation claims. This lack of definition may result in ambiguity in the legal context and complicate recovery efforts through subrogation, making it distinct from the other categories that have more concrete applications within existing legal precedents. Thus, it stands out as not being a recognized type of