Letters of subrogation
In the course of their work, independent claims adjusters or claims adjusters employed by an insurer may be mandated to notify a third party who has been held liable for damages caused to an insured’s property; or to begin the recovery process on behalf of the insurer.
The Chambre de l’assurance de dommages has drafted form letters to assist claims adjusters who must notify a third party that they may be held liable and then request that this third party reimburse the insurer for indemnity paid to the insured.
A form letter for the insured is also available. This letter enables consumers to request reimbursement for their deductible as well as damages not covered by their insurance (if applicable) from a third party who has been deemed liable for damages suffered.
Letters of subrogation procedure
This procedure includes the Claims adjuster's obligations.
Notice of Property Damage Liability
Once the investigation has begun, the claims adjuster may have to notify a third party that he could be held liable for damages caused to the insured and that his civil liability could be incurred.
Request for Reimbursement from a Third Party
After having finalized the settlement of the claim, the claims adjuster may send a letter requesting reimbursement to a third party who has been deemed liable for the damages the insured suffered.
Insured’s Request for Reimbursement of the Deductible
The claims adjuster must fulfill his ethical obligation to inform by explaining to the insured how to claim reimbursement of his deductible from a third party deemed liable for the damages incurred.