Subrogation Demand Letters: What a Strong One Includes

A subrogation demand letter asks the at-fault party to reimburse what your insurer paid. The strongest ones don't argue, they make liability and damages self-evident, so the recipient's cheapest move is to pay. Here's what a demand package should contain.

What a strong demand includes

1. 01A clear recovery theory, who is liable, on what basis, and under which rule of fault.
2. 02A chronology of the loss, the sequence of events, in order, drawn from the evidence.
3. 03The cited evidence, photos, estimates, statements, reports, each tied to the point it supports.
4. 04Itemized damages, a line-by-line total of what was paid, adjusted for betterment where relevant.
5. 05A specific demand and deadline, the amount sought and a reasonable time to respond.

How AI speeds the demand

Assembling a demand is exactly the reading-and-organizing work that AI does well. Certvian reconstructs the chronology, pulls the supporting evidence with citations, and drafts the itemized demand, while a person reviews and approves before it goes out. Every quoted fact is tied to a verifiable source, so the package holds up under scrutiny.