Q: How do I respond to Subrogation letter regarding auto/tractor accident in no-fault state?
My dad was on his tractor and pulled out into the street at the same time that our neighbor came down the road in his truck. The neighbor moved to avoid the tractor and side swiped my parent's mailbox. Crash report states no damage. My parents paid the neighbors $500 deductible. Now a year later my parents received a letter from "Casualty Recovery Solutions" requesting payment of $4870.73 for being personally liable, as well as an attached estimate for the costs to fix the truck. This happened in Michigan, a no fault state. Both were insured. Furthermore, the company stated that they were unable to provide proof that anything was actually paid out and when I looked up the neighbors truck on edmunds, it's valued at $981 for trade in and $1,973 for private party sale, much less than the provided estimate. What is the best way to proceed? Would they even be liable? Thank you!
A: You should find a local attorney specializing in no-fault insurance claims and speak to them.
First, they have to show what if anything was paid. You want to get several estimates but for a start a) if it was knocked over the mailbox that shouldn't be that heavy a cost.
However, you have insurance for that. Talk to your company. If you don't want to talk to the company, the problem you have is having paid the deductible you should have gotten a release. Not sure what you mean about being "personally liable" but assuming they pay something they want a full release. May be time to at least get your agent involved.
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