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Download a copy, print it, send it by email, or mail it via USPS—whatever works best for your next step.

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When you file a claim, your insurer can try to recover costs from the person responsible for your injury or property damage. This is known as subrogation.
Subrogation recovery under the the Michigan No-Fault Act is possible, especially with a thorough understanding of this complex Act and the EXCEPTIONS it allows. These exceptions provide a treasure trove of subrogation opportunities.
Those states are: Arizona. Connecticut. Kansas. Missouri. New Jersey. New York. North Carolina. Virginia.
(1) The no-subrogation (or implied co-insured) approach (i.e., the “Sutton Rule”), in which, absent an express agreement to the contrary, a landlord's insurer is precluded from filing a subrogation claim against a negligent tenant because the tenant is presumed to be a co-insured under the landlord's insurance policy; ...
Subrogation recovery under the the Michigan No-Fault Act is possible, especially with a thorough understanding of this complex Act and the EXCEPTIONS it allows. These exceptions provide a treasure trove of subrogation opportunities.
Michigan law requires you to have no-fault automobile insurance on your car. If you have an accident, this required insurance pays for injuries to people and for damages your car does to other people's property and to properly parked cars.
When factoring comparative negligence and improper referrals, the recovery rate should be somewhere in the range of 85-90%. This requires adjusters properly identifying subrogation, assessing comparative negligence and pursuing only what they are entitled to.
You will want to immediately notify your own insurer to determine how they can assist you. A subrogation claim is not going to go away on its own. If you ignore the letter, the insurer will file a lawsuit against you, the party being held responsible, and the insurer will win, almost every time.
If you receive a subrogation letter, take these steps: Don't ignore it: Subrogation claims are legally valid and require attention. Review the details: Ensure all listed expenses are accurate and related to your accident. Keep records: File the letter with your other accident-related documents.