Subrogation Letter

Subrogation Letter Template for Philippines

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Key Requirements PROMPT example:

"I need a Subrogation Letter for my insurance company to recover PHP 500,000 from a third-party logistics company that damaged our insured's manufacturing equipment on March 15, 2025, where we've already paid out the claim to our insured."

Document background

The Subrogation Letter is a crucial document in Philippine insurance practice, used when an insurance company seeks to recover amounts paid to an insured from a third party responsible for the loss. This document becomes necessary after the insurer has settled a claim with their insured and identified a potentially liable third party. The letter must conform to Philippine legal requirements, particularly the Civil Code and Insurance Code provisions regarding subrogation rights. It typically includes details of the original claim, confirmation of payment to the insured, and a formal declaration of the insurer's subrogation rights. The document serves both as a formal notice to the third party and as a potential prerequisite to legal proceedings if recovery attempts are unsuccessful. Its content and structure are influenced by Philippine jurisprudence, particularly landmark Supreme Court decisions that have shaped the interpretation of subrogation rights in insurance contracts.

Suggested Sections

1. Letter Header: Date, recipient details, and reference numbers including policy number and claim number

2. Claim Identification: Details of the insurance claim including date of loss, type of loss, and amount paid to the insured

3. Insurance Policy Reference: Details of the relevant insurance policy under which payment was made

4. Statement of Payment: Confirmation of the payment made to the insured, including the amount and date

5. Subrogation Declaration: Formal statement declaring the insurer's right of subrogation under Philippine law, with specific reference to relevant legal provisions

6. Recovery Rights: Clear statement of the rights being asserted against the third party

7. Demand for Payment: Specific amount being claimed and payment terms

8. Closing and Signature: Standard closing, contact information, and authorized signatory details

Optional Sections

1. Supporting Documentation Reference: Used when specific documents are attached to support the subrogation claim

2. Legal Proceedings Notice: Include when there is an intention to commence legal proceedings if payment is not received

3. Settlement Options: Include when offering specific settlement terms or payment arrangements

4. Third Party Liability Basis: Used when there's a need to specifically outline the basis of the third party's liability

5. Reservation of Rights: Include when the insurer needs to reserve additional rights not specifically mentioned in the letter

Suggested Schedules

1. Schedule A - Claim Documentation: Itemized list of all relevant claim documents including police reports, damage assessments, and proof of payment

2. Schedule B - Payment Details: Detailed breakdown of the insurance payment made, including any deductibles or adjustments

3. Schedule C - Evidence of Loss: Photographs, reports, or other evidence documenting the loss or damage

4. Appendix 1 - Power of Attorney: If applicable, documentation authorizing the insurer to act on behalf of the insured

Authors

Alex Denne

Head of Growth (Open Source Law) @ ��Ƶ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co

Relevant legal definitions

Clauses

Relevant Industries

Insurance

Banking and Financial Services

Maritime and Shipping

Construction

Manufacturing

Transportation and Logistics

Real Estate

Healthcare

Retail

Energy and Utilities

Relevant Teams

Legal

Claims

Risk Management

Compliance

Operations

Underwriting

Recovery and Collections

Policy Administration

Document Management

Corporate Affairs

Relevant Roles

Insurance Claims Manager

Legal Counsel

Risk Manager

Compliance Officer

Claims Adjuster

Insurance Underwriter

Recovery Specialist

Litigation Attorney

Insurance Operations Manager

Policy Administrator

Corporate Counsel

Claims Investigation Officer

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Let's create your Subrogation Letter

Authors

Alex Denne

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