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G TennesseeFarmersclaimforreimbursementisdenied.CostsofthisAppealare -} assessedtotheAppellant. c !X4XXX4      &  !  Tenn.R.App.P.3AppealasofRight;JudgmentoftheCircuitCourt!  Ԍ / Ќ  X4XXX4  !X4XXX4      !  Affirmed!  Ԍ  Ќ  X4XXX4  'DonR.Ash,S.J.,deliveredtheopinionofthecourt,inwhichWilliamB.Cain,J.and !  BenH._Cantrell_,_P.J._,joined. w"! XX4      &    X4XOPINION(  Ԍ $+ $ Ќ   ݀'$ %!%   I. &!&  X  Plaintiff/Appellant_Vondal_Ԁ_Doss_Ԁsufferedapersonalinjuryasaresultofamotor s(#( vehicleaccidentonApril8,1993.Shewasapassengerinacarownedanddrivenbyher Y)$) daughter,AngieFord.TheaccidentoccurredwhenatruckdrivenbyJimmy_Gotcher_ ?*%* turnedleftdirectlyintothepathoftheFordvehicle.Atthetimeoftheaccident,_Vondal_ %+u&+ _Doss_ԀandAngieFordwerebothinsuredbyautomobilepolicieswrittenandissuedby  ,[', Defendant/AppelleeTennesseeFarmersMutualInsuranceCompany(hereinafter ,A(-  TennesseeFarmers)whichcontainedmedicalpaymentcoveragewithlimitsof$5,000. -'). _Appellantwaseligibleformedicalpaymentcoverageunderbothpoliciesforagrand  totalof$10,000.Atthetimeoftheaccident,JimmyGotcherwasalsoinsuredbyan  automobilepolicywrittenandissuedbyFarmersInsuranceExchangethatcarrieda | liabilitylimitof$25,000. b  X XShortlyaftertheaccidentonApril8,1993,Dosssoughtandreceived$3,000as . ~ compensationforherinitialmedicalexpensesunderthetermsoftwoinsurancepolicies  d writtenbyTennesseeFarmers.TennesseeFarmerswasunderacontractualobligationto  J makepaymentformedicalexpensesuptotheliabilitylimitof$10,000.Itisuncontested  0 inthismattertheinsuredsmedicalexpensestotaled$46,000.MikeDelk,agentof    TennesseeFarmers,advisedthePlaintiffshusbandtheinsurerwaspreparedtomakethe    paymentofanadditional$7,000undertheapplicableinsurancepoliciesiftheinsured   acceptedthe$25,000limitoftheGotcherinsurancepolicy.DelkindicatedTennessee x  FarmerswouldnotmakesuchpaymentifsuitwasfiledagainstJimmyGotcherseeking ^  damagesinexcessofthe$25,000policylimit.VondalDosselectedtofilesuitagainst D  thethirdpartytortfeasor,JimmyGotcherandtheSpringfieldPrintingbusinessonApril *z  14,1994ratherthanpursueaseconddemandonTennesseeFarmersfortheremaining ` $7,000ofmedicalcoverage.TennesseeFarmerswasalsoservedwithacopyofthe F Complaint,pursuanttoT.C.A.5671201.et.seq.TennesseeFarmersfiledaNoticeof , AppearanceasanuninsuredmotoristcarrieronApril27,1994.OnMay27,1994,an  AgreedOrderwasenteredwherebyTennesseeFarmerswasdismissedfromthethird  partytortclaim.   X XThethirdpartytortfeasor,JimmyGotcherandSpringfieldOfficeMachines& Z PrintingfiledforbankruptcyunderChapter11sixdayspriortothetrialwithDoss.On @ October27,1997,asettlementwasreachedbetweenthePlaintiffandGotcher,foratotal &v paymentof$60,000.FarmersInsuranceExchangepaiditspolicylimitof$25,000while  \ theremaining$35,000waspaidbysomecombinationoftheGotchersandSpringfield B Printing.Asaresultofthissettlement,PlaintiffexecutedaReleaseandanOrderof ( CompromiseandSettlementforeverreleasingthethirdpartytortfeasorfromany  liabilityarisingfromtheApril8,1993accidentanddismissingthetortclaimwith  prejudice.ThebankruptcypetitionsofJimmyGotcherandSpringfieldOfficeMachines   &PrintingwereultimatelydismissedbyOrderoftheU.S.BankruptcyCourton p!  November13,1997. V"!  X' XX4XXX4  '%  TheinsuredsubsequentlyfiledsuitagainstTennesseeFarmersonMarch22, "$r# 1999,allegingbreachofcontractforfailuretomakepaymentoftheremaining$7,000 %X $ pursuanttothemedicalpaymentprovisionofthetwoinsurancepolicies.OnMarch29, %>!% 2000,TennesseeFarmersfileditsAnswerdenyingcoverageandaCounterComplaint &$"& seekingreimbursementofthe$3,000payment.'%%݌ ' #' ЌX4XXX4 X  ݀ (#(  XThiscausewasheardbeforeHonorableTomE.Gray,ChancelloroftheCircuit )$) CourtofSumnerCounty,TennesseeatGallatinonApril12,2000.Basedonthe l*%* evidence,theChancellorfoundDosswasnotmadewholebythesettlementofthethird R+&+ partytortclaimfor$60,000.However,theChancellorfurtherheldTennesseeFarmers 8,', wasundernoobligationtomakeadditionalmedicalpaymentstotheinsuredsincethe -n(- insurerdidnotconsenttothesettlementandwasnotconsulted.TheChancellor  dismissedtheComplaintandtheCounterComplaintandassessedcostsagainsteach  partyrespectively. |  X  II. b  X  Thefollowingissuesarebeforethecourt:(A)whethertheinsuredsfinal . ~ settlementandreleaseofthethirdpartytortfeasoraffectseitherherclaimforadditional  d postsettlementcompensationundertheinsurancepolicyortheinsurersclaimfor  J subrogation;and(B)whetherthemadewholedoctrineespousedinYorkv.Sevier  0 CountyAmbulanceAuthority,8S.W.3d616(TENN.1999),affectseithertheinsureds    claimforadditionalmedicalpaymentsortheinsurersclaimforsubrogationwhenthe    thirdpartytortfeasorhasbeenreleased?    X  III. ^    A. 4 Dossarguesthethirdpartytortfeasorsfilingforbankruptcyandinvocationof *z  theautomaticstaydestroyedTennesseeFarmersclaimforsubrogation.Dossfurther ` argueshersettlementofthethirdpartytortclaimisirrelevanttoherclaimforadditional F medicalpaymentsundertheprovisionsoftheinsurancepolicieswithTennesseeFarmers , ortheinsurersallegedlynonexistentsubrogationclaim.Theappellantsargumentsare  mistaken.Theinvocationoftheautomaticstaydoesnotdestroyorextinguisha  creditorsclaimagainstthedebtor.Theautomaticstayismerelyatemporaryreliefthat  precludescollectioneffortsagainsttheclaimsofdebtorswhohavefiledforbankruptcy. t Thebankruptcycourtpermitscreditorstoseekrelieffromtheautomaticstayunder Z Section362andmayallowcreditorstopursuethecollectionoftheirdebtsunder @ appropriatecircumstances.ThefilingofthebankruptcypetitionsbyJimmyGotcherand &v SpringfieldOfficeMachine&Printingdidnotextinguishtheinsurerssubrogationclaim  \ andisirrelevanttothedispositionoftherespectiveclaimsofVondalDossand B TennesseeFarmers. ( Ѐ XDossssettlementofthethirdpartytortclaimhadasignificantimpactupon  TennesseeFarmerssubrogationclaim.Therightofsubrogationwascreatedatcommon   lawunderprinciplesofequityandnaturaljustice.CastlemanConstr.Co.v.Pennington, p!  432S.W.2d669at675(Tenn.1968).Subrogationwascreatedinordertopreventan V"! insuredfromobtainingadoublerecoveryforthesamelossandtoassurethetortfeasor <#" compensatetheinsurancecompanyforpaymentsmadetotheinsured.Wimberlyv.Am. "$r# Cas.Co.ofReading,Pennsylvania,584S.W.2d200at203(Tenn.1979).Thecourtsof %X $ Tennesseeallowaninsurertoclaimsubrogationunderthemedicalpaymentprovisions %>!% ofitspolicy.Wilsonv.TennesseeFarmersMutualInsuranceCompany,411S.W.2d699 &$"& (1966).Thepublicpolicyofinsurancecontemplatesthatinsurancecarriersshallhaveall ' #' rightsofrecoveryagainstthetortfeasorthattheinsuredwouldhaveuptotheamount (#( paidbytheinsurer.TennesseeFarmersreservedarightofsubrogationthroughtheterms )$) oftheinsurancepolicyandenjoyedidenticalrightstothoseofDoss.Thus,theinsured l*%* extinguishedtherightsofTennesseeFarmersundertheirclaimforsubrogationwhenshe R+&+  relinquishedherrightsthroughtheexecutionoftheReleaseandtheOrderof 8,', CompromiseandSettlement.McGeev.CountyofWilson,574S.W.2d744at747  (Tenn.App.1978).   XӀ |  XAnadditionalconsequenceofthesettlementisthatPlaintiff/Appellantsabilityto b recoveradditionalcompensationfromTennesseeFarmerswasprecludedorforfeited.If H aninsureddestroysaninsurerssubrogationrightsafterpayment,theinsuredforfeitsany . ~ rightsofrecoveryagainsttheinsurancecarrier.AetnaCasualtyandSuretyCompanyv.  d TennesseeFarmersMutualInsuranceCompany,867S.W.2d321at323(Tenn.Ct.App.  J 1993).Consequently,thiscourtaffirmsthedecisionoftheChancellorandholdsDoss  0 claimforadditionalpostsettlementmedicalpaymentsisdeniedasaresultofthe    executionoftheReleaseandOrderofCompromiseandSettlementwhichextinguished    TennesseeFarmerssubrogationrights.    XB. 4 ThecourtmustnowconsiderwhetherthemadewholedoctrineespousedinYork ^  v.SevierCountyAmbulanceAuthority,8S.W.3d616(TENN.1999),affectseitherthe D  insuredsclaimforadditionalmedicalpaymentsortheinsurersclaimforsubrogation *z  whenthethirdpartytortfeasorhasbeenreleased.Completecompensationofthe ` insuredisgenerallyaprerequisitetotherightofsubrogationunderwhathasbecome F knownas themadewholedoctrineorthe fullrecoveryprinciple.Yorkv.Sevier , CountyAmbulanceAuthority,8S.W.3d616(Tenn.1999);Wimberlyv.Am.Cas.Co.of  Reading,Pennsylvania,584S.W.2d200at203(Tenn.1979).Courtshaveconsistently  balancedtheequitiesinsubrogationcasesbyholdingthattheinsurermustbeartheloss  whenallofthedamagestothevictimarenotfullycompensatedbythetortfeasor t becausethatisariskithasbeenpaidtoassume.Wimberlyv.Am.Cas.Co.ofReading, Z Pennsylvania,584S.W.2d200at203(Tenn.1979). @  , &v  X,ItisuncontestedinthismatterPlaintiff/Appellantwasnotmadewholeinspiteof  \ thesettlementofthetortclaimagainstJimmyGotcherforanamountinexcessofher B statedmedicalexpenses.Typically,themadewholedoctrineespousedinYorkv.Sevier ( CountyAmbulanceAuthoritywouldoperatetoprecludeaninsurerfromexercisingtheir  rightofsubrogationwheretheinsuredwasnotfullycompensatedfortheirinjuries.  However,Appelleecorrectlyrecitestheexceptiontothemadewholedoctrineunder   Tennesseelaw(espousedinanunreporteddecision)wheretheinsurerdidnotparticipate p!  inthesettlementnegotiationssurroundingthetortclaimanddidnotwaivetheirrightof V"! subrogation. Iftheinsurerclaimingsubrogationdidnotparticipateinthesettlement <#" negotiationsbetweentheinsuredandthethirdpartytortfeasorandwaivednorights,its "$r# subrogationclaimmustbehonoredandthemadewholedoctrinehasnoapplication. %X $ TennesseeFarmersMutualInsuranceCompanyv.Farmer,1998Tenn.App.LEXIS581; %>!% Eastwoodv.TheGlensFallsIns.Co.,646S.W.2d156(Tenn.1983);AetnaCasualtyand &$"& SuretyCompanyv.TennesseeFarmersMutualInsuranceCompany,867S.W.2d321at ' #' 323(Tenn.Ct.App.1993).ThepresentfactsprovidethatTennesseeFarmersrightof (#( subrogationwasextinguishedbyVondalDosssettlementofthethirdpartytortclaim. )$) TennesseeFarmersneitherparticipatedinthesettlementnegotiationswithGotchernor l*%* consentedtotheReleaseandOrderofCompromiseandSettlement.TheChancellor R+&+ specificallyfoundthat, NonoticeofsettlementwasgiventoTennesseeFarmersMutual, 8,', andTennesseeFarmersMutualisnotinvolvedthesettlement.Theydidnotconsentto -n(- thesettlement;theydidnotwaivetheirsubrogationclaim.(R.Page80Lines2024).  TennesseeFarmerscontendsthattheirclaimforsubrogationmustbehonoredasa  consequenceoftheirexclusionfromthesettlementofthethirdpartytortclaimbythe | insuredunderTennesseeFarmersMutualInsuranceCompanyv.Farmer. b  X XTheappelleeomitsreferencetoanotherrelevantpassageinTennesseeFarmers . ~ MutualInsuranceCompanyv.Farmerwherethecourtacknowledgestheinsurers  d subrogationclaimwillbedefeatedeventhoughtheinsuredsettledthetortclaimwithout  J theknowledgeoftheinsurerwherethepartieshaveeitheragreedtheinsuredhasnot  0 beenmadewholebythetortrecovery,ortheunderlyingfactsarecleartherecoverydid    notmaketheinsuredwhole.TennesseeFarmersMutualInsuranceCompanyv.Farmer,    1998Tenn.App.LEXIS581.ThiscourtisprecludedfromspeculatingVondalDosswas   madewholethroughhervoluntaryacceptanceofasettlementofferof$60,000,an x  amountwhichexceededher$46,000inmedicalexpenses,becauseitisundisputedbythe ^  partiesinthiscasetheAppellantwasnotmadewhole.Thus,thiscourtconcludesthat D  TennesseeFarmerssubrogationclaimisnotvalidundertheprinciplesofTennessee *z  FarmersMutualInsuranceCompanyv.Farmer.Thiscourtaffirmsthedecisionofthe ` ChancellorandholdsthatTennesseeFarmersclaimforreimbursementisdenied. F  X  ***   IV.    XThiscourtconcludesthatVondalDossclaimforanadditional$7,000ofpost Z settlementmedicalpaymentsisdenied,andTennesseeFarmersclaimforreimbursement @ intheamountof$3,000isdenied.TheJudgmentoftheChancellorforSumnerCounty, &v Tennesseeisaffirmedonallcounts.CostsofthisAppealareassessedtotheAppellant.  \  X   *L!X*________________________     " XX4XXX4   6DL!X!6    &  "V  DONR.ASH,SPECIALJUDGE"V}W  YWԌ V"! Ќ   *X!X!*X4XXX4 X  E+ 4 <DL!X!EXX4'V"qW