Letter Library
The right letter for every step of the file
They're grouped in the order a file runs. Find the stage you're in, pick the letter, and you'll know who it goes to and when.
1
🚪 Opening
Start the file and set expectations with your insured.
2
📣 Notice
Let everyone who may be responsible know you're coming.
Claim Setup Request to Adverse Carrier
- Send to
- Other side's insurance carrier
- When
- You only have a policy number
Notice of Subrogation Interest to Adverse Carrier
- Send to
- Other side's insurance carrier
- When
- The claim is set up and you're putting them on notice
Notice of Subrogation Interest and Insurance Request
- Send to
- Responsible party
- When
- You don't know their insurance yet
Limited Coverage Notice to Responsible Party
- Send to
- Responsible party
- When
- Damages may be more than their policy covers
Retailer Notice and Install Records Request
- Send to
- Retailer's corporate claims office
- When
- A big-box store sold the item and arranged the install
Store Notice and Evidence Preservation Request
- Send to
- Local store manager
- When
- Same day as the corporate notice
Insured's Request to Retailer for Install Records
- Send to
- Retailer, sent by your insured
- When
- The retailer is slow to answer your notice
Livestock Owner Notice and Insurance Request
- Send to
- The livestock owner
- When
- A vehicle hit livestock in a closed range state or an exception area
3
🔍 Evidence
Protect the proof and invite everyone to look at it together.
Evidence Preservation and Joint Scene Exam Notice
- Send to
- Other side's insurance carrier and anyone else involved
- When
- An expert is hired and a scene exam is scheduled
Joint Scene Exam Notice to Responsible Party
- Send to
- Responsible party
- When
- Same time as the insurance carrier version
Joint Lab Exam Notice
- Send to
- Everyone involved
- When
- Evidence is collected and a lab exam is scheduled
Suspect Notification Request to Police Department
- Send to
- Police department or fire marshal
- When
- Hit-and-run, vandalism, or break-in with no suspect named yet
4
💵 Demand
Ask for the money back, clearly and in writing.
Subrogation Demand to Adverse Carrier
- Send to
- Other side's insurance carrier
- When
- Damages are final
Subrogation Demand to Responsible Party
- Send to
- Responsible party
- When
- They have no known insurance, or you're after the balance
Out-of-Pocket Recovery Letter
- Send to
- Responsible party
- When
- Your insured's own out-of-pocket costs
Second Demand with Escalation Notice
- Send to
- Whoever didn't respond
- When
- The first demand's deadline has passed
Tolling Agreement Request
- Send to
- Other side's insurance carrier
- When
- The deadline to file suit is getting close
Restitution Request to Prosecutor
- Send to
- Prosecutor or victim services
- When
- Criminal charges are filed, before sentencing
5
🏁 Closing
Wrap up the file and let everyone know how it ended.
Standard Closing Letter (Made Whole)
- Send to
- Client
- When
- Money collected in a made-whole state
Standard Closing Letter (Pro Rata)
- Send to
- Client
- When
- Money collected in a pro rata state
Deductible Reimbursement Letter to Insured
- Send to
- Insured
- When
- The recovery includes money owed to your insured
Subrogation Withdrawal Letter to Adverse Carrier
- Send to
- Other side's insurance carrier
- When
- Your office is no longer pursuing
No Recovery Closing Letter
- Send to
- Client
- When
- The file closed without a recovery
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