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What is what to do when you receive a subrogation letter?

Okay, here's information about what to do when you receive a subrogation letter, formatted in Markdown with the linked keywords you requested:

Receiving a Subrogation Letter: What to Do

A subrogation letter is a formal notification that an insurance company is seeking to recover money they paid out on behalf of their insured, and they believe you are responsible for the damages. Receiving one can be stressful, but it's important to handle it carefully. Here's a breakdown of the steps you should take:

  1. Do Not Ignore the Letter: Ignoring a subrogation letter will not make it go away. It can actually make the situation worse, potentially leading to a lawsuit.

  2. Review the Letter Carefully: Pay close attention to the details. Note the date of the incident, the amount they are seeking, and the reasons they believe you are responsible. Look for any inaccuracies or inconsistencies.

  3. Contact Your Insurance Company: This is perhaps the most important step. Immediately notify your insurance company. They are best equipped to handle the claim and protect your interests. Provide them with a copy of the subrogation letter and all related documentation you have. Your insurance policy likely requires you to do this.

  4. Gather Information: Collect any evidence you have related to the incident. This might include photos, videos, witness statements, police reports, contracts, or any other documents that could support your case.

  5. Do Not Admit Fault: Avoid admitting fault or making any statements that could be construed as an admission of responsibility. Refer all communication to your insurance company.

  6. Understand Your Coverage: Review your insurance policy to understand the extent of your coverage and any applicable deductibles. Know what your policy covers in terms of liability.

  7. Consider Legal Advice (If Necessary): If you do not have insurance or are facing a particularly complex or high-value subrogation claim, it may be wise to consult with an attorney. Especially when your insurance company denies the request.

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