← Notice letters

Notice of Subrogation Interest to Adverse Carrier

Send toOther side's insurance carrier
WhenThe claim is set up and you're putting them on notice

💡 When to use it

Send this letter as soon as you know the responsible party's insurance carrier, even before your client's damages are final. It puts the carrier on notice of your client's subrogation interest and gets a claim number and adjuster assigned.

  • Notice first, demand later. This letter opens the file with the carrier. The demand follows once the damages are final and documented.
  • Put the police report number up front. It's usually the first thing the adjuster pulls to review liability.
  • Ask for the basics back. Claim number, assigned adjuster, and contact details, so your follow-up goes to a person, not a mailbox.
  • Offer a joint inspection window. Give the carrier 14 days to ask for one, then diary it. After that, your expert can move forward.

✉️ The letter

Fill in the boxes and the letter updates as you type. Anything you leave blank stays [in brackets]. What you type stays on your device. Free downloads and prints include a light Subrobuddy watermark.

[Adverse Carrier Name]
Attn: [Adjuster Name or Claims Department]
[Street Address]
[City, State ZIP]

[Today's Date]

RE: Notice of Subrogation Interest

Our Insured: [Insured's Name]
Our Claim No.: [Client Claim Number]
Date of Loss: [Date of Loss]
Loss Location: [Loss Address]
Police Report No.: [Report Number], [Police Department]		Estimated Damages: $[Estimated Damages, if known]
Deductible: $[Insured's Deductible]
Your Insured: [Responsible Party]
Your Policy No.: [Adverse Policy Number]
Your Claim No.: [Adverse Claim Number, if assigned]

Dear [Adjuster Name or Claims Department]:

Please accept this letter as notice that [Client Name] has a subrogation interest in the accident that occurred on [Date of Loss] at [Loss Location]. [Client Name] insures [Insured's Name] and is handling a claim for damages from this accident. [Your Company Name], as recovery agent for [Client Name], is investigating this loss, and our investigation to date indicates that your insured, [Responsible Party], may be responsible.

Please place your file on notice of our client's subrogation interest, which includes the amounts [Client Name] pays for its insured's damages and its insured's deductible. We will send a formal demand with supporting documents once our client's damages are finalized.

Preservation of evidence

Please instruct your insured to preserve all evidence related to this loss, including [the vehicle, equipment, components, debris, photographs, video, and records]. Neither [Adverse Carrier Name] nor your insured should remove, repair, alter, damage, or discard any of it until all interested parties have had the opportunity to inspect it. If evidence is removed, damaged, altered, or discarded, your insured risks a claim of spoliation of evidence. If you would like to schedule a joint inspection, please contact our office within 14 days of the date of this letter.

Please send our office your claim number and the name, phone number, and email address of the assigned adjuster.

Thank you for your prompt attention to this matter.

Sincerely,

[Name]
[Title]
[Company]
[Address]
[Phone] · [Email]