← Demand letters

Subrogation Demand to Adverse Carrier

Send toOther side's insurance carrier
WhenDamages are final

💡 When to use it

Send this letter after your client has paid its insured and you have identified a responsible party with liability coverage. It opens the recovery and asks the adverse carrier for a liability decision and payment.

  • Keep the liability statement short. State that your investigation found their insured responsible. Save the detailed liability argument for the phone call with the adjuster.
  • Always include the insured's deductible. It goes in the coverage table below the payments, so the adjuster sees the full demand in one place.
  • Enclose everything that supports the number. Proof of payment, estimates or invoices, photos, reports, and the declarations page showing the deductible.
  • Ask for a liability decision by a set date. 30 days is standard, and it gives you a clean follow-up date for your diary.
  • Make the payee line exact. A check made out wrong is a check that has to be reissued.

Writing directly to the responsible party instead? When there is no carrier and the letter goes to the person or business itself, swap the first paragraph for this one. It explains what happened without telling them they were at fault, which keeps the door open for a payment conversation:

On [Date of Loss], a loss occurred at [Loss Location] involving [your vehicle / your property / work you performed]. [Client Name] paid its insured, [Insured's Name], for the resulting damage. [Your Company Name] handles recovery for [Client Name], and the enclosed documents show how the loss occurred. We would like to work with you to resolve this.

✉️ 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 or Responsible Party]
Attn: [Adjuster Name or Claims Department]
[Street Address]
[City, State ZIP]

[Today's Date]

RE: Subrogation Demand

Insured: [Insured's Name]
Our Claim No.: [Client Claim Number]
Your Claim No.: [Adverse Claim Number]
Date of Loss: [Date of Loss]		Your Insured: [Responsible Party]
Damages: $[Amount Paid by Client]
Loss Location: [Loss Address]

Dear [Adjuster Name or Claims Department]:

[Client Name] paid its insured, [Insured's Name], for damages sustained in a loss on [Date of Loss]. [Your Company Name], as recovery agent for [Client Name], has investigated the facts, including [the enclosed police, fire, or expert report], and determined the loss was caused by the actions of your insured, [Responsible Party].

Due to the payment to [Insured's Name], [Your Company Name] is pursuing recovery on behalf of [Client Name]. The amount requested is $[Total Demand]. This is the $[Amount Paid by Client] in payments issued by [Client Name], plus [Insured's Name]'s out-of-pocket cost, the $[Insured's Deductible] deductible.

Please review the enclosed documents supporting this request. If anything is missing or a file cannot be opened, please let our office know and we will send it promptly.

Please provide your liability decision within 30 days of the date of this letter. Our office looks forward to working with you to resolve this matter.

Payment instructions

Make the settlement check payable to [Your Company Name] as agent for [Client Name], and include our claim number, [Client Claim Number], on the check.

Mail to: [Your Company Address]

Enclosures

  1. Proof of payment to the insured
  2. Estimates and invoices
  3. Photographs
  4. [Police, fire, or expert report]
  5. Declarations page showing the deductible

Sincerely,

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