123 Main Street,
San Francisco, CA 94105
{{month_day_year}}
Re: Subrogation Demand – {{insureds_name}} / Claim #{{claim_number}} / Date of Loss: {{mmddyyyy}}
Dear {{recipients_name}},
This letter serves as formal notice of our subrogation claim against {{at_fault_party}} for damages arising from the incident that occurred on {{date_of_loss}}. Our insured, {{your_insureds_name}}, sustained {{brief_description_of_losseg_property_damage_vehicle_collision_etc}} as a result of the actions of your insured, {{atfault_party_name}}.
Lob Insurance has paid {{insured_name}} the amount of ${{amount}} under the terms of their policy. We are now pursuing full recovery of that amount through our subrogation rights.
We respectfully request reimbursement in the amount of ${{amount}} within {{num_of_days}} days of the date of this letter. Payment should be made payable to Lob Insurance and mailed to the address above.
Remittance and claim reference
Supporting materials on file
Please remit to {{remit_to_address_or_ach_details}} and include Claim #{{claim_number}} and Date of Loss {{mmddyyyy}} on all payments and correspondence. If paying by ACH, reference the claim number in the memo field so we can apply funds without delay.
We have retained the payment ledger, repair estimate/invoice, photographs, and the incident/police report (if applicable). If you need copies, we will provide them upon request.
Dispute or questions
If you contest liability or the claimed amount, send a written explanation with any supporting documentation within {{10}} business days so we can review promptly. If you are an insurer participating in intercompany arbitration, indicate your preferred forum and filing contact.
Should you require additional information or documentation, please contact me directly at [Phone] or via email at {{email}}.
Thank you for your prompt attention this matter.
Sincerely,
{{your_name}}
{{your_title}}, Lob Insurance
Enclosures: {{list_of_any_included_documents}}
