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1. The insured by his own act releases the wrongdoer/third person liable for the loss;
2. Where the insurer pays the insured for a loss or risk not covered by the policy;
3. In life insurance;
4. For recovery of loss in excess of insurance coverage
2. Where the insurer pays the insured for a loss or risk not covered by the policy;
3. In life insurance;
4. For recovery of loss in excess of insurance coverage
