← Demand letters

Subrogation Demand to Responsible Party

Send toResponsible party
WhenThey have no known insurance, or you're after the balance

💡 When to use it

Send this demand straight to the person or business responsible when you don't have their insurance information, or when they may be uninsured. It asks for payment and pushes them to get their own insurer involved.

  • Let the documents do the arguing. Describe what happened and point to the enclosed reports. Don't call them negligent.
  • Leave the policy and claim number lines blank. If they have insurance, the blanks prompt them to fill it in and pass it along.
  • Push the letter to their insurer. Many people don't realize their homeowner's, renter's, auto, or business policy may cover damage they caused to someone else's property.
  • Set a 30-day response date and diary it. No response is your cue for the follow-up letter or collections.

✉️ 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.

[Responsible Party Name]
[Street Address]
[City, State ZIP]

[Today's Date]

RE: Subrogation Demand

Insured: [Insured's Name]
Our Claim No.: [Client Claim Number]
Date of Loss: [Date of Loss]
Loss Location: [Loss Address]		Paid Damages: $[Amount Paid by Client]
Deductible: $[Insured's Deductible]
Total Demand: $[Paid Damages + Deductible]
Policy No.: ______________________
Claim No.: ______________________

Dear [Responsible Party Name]:

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] is the recovery agent for [Client Name], and the enclosed documents, including [the police, fire, or expert report], show how the loss occurred.

Because of its payment to [Insured's Name], [Client Name] has the right to recover the amount it paid from the party responsible for the loss. This is called subrogation. We are requesting payment of $[Total Demand]. This includes the $[Amount Paid by Client] paid by our client and [Insured's Name]'s $[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 respond by [Date, 30 days out]. We would like to work with you to resolve this matter, and payment arrangements may be discussed.

Payment instructions

Make payment payable to [Your Company Name] as agent for [Client Name], and include our claim number, [Client Claim Number], with your payment.

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

If you have insurance

If you have insurance that may cover this loss, please send a copy of this letter and all enclosed documents to your insurance carrier or agent right away, and ask them to contact our office. Please also write your policy number and any claim number in the blanks above and send a copy back to us.

Many property and liability policies, including homeowner's, renter's, auto, and business policies, include coverage for damage you accidentally cause to someone else's property. Some exclusions may apply, so your insurance carrier will decide what your policy covers. Reporting this loss to them promptly helps protect your coverage.

If you do not have insurance, or if you believe this letter reached you in error, please contact our office.

Sincerely,

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