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Subrogation Letter Template for Denmark

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Subrogation Letter

Document background
A Subrogation Letter is a crucial document in Danish insurance practice that formalizes the transfer of legal rights from an insured party to their insurer. It is typically used after an insurance company has paid a claim to their insured, enabling the insurer to pursue recovery from a third party responsible for the loss. The document must comply with Danish legal requirements, particularly the Forsikringsaftaleloven, and should clearly identify the relevant claim, confirm payment details, and explicitly state the transfer of rights. This document is essential for insurers to legally pursue recovery actions and is commonly used across various insurance types, including property, liability, and commercial insurance.
Suggested Sections

1. Letter Header: Date, recipient details, and reference numbers for the claim and insurance policy

2. Claim Identification: Details of the incident/loss, including date, location, and nature of the claim

3. Payment Confirmation: Statement confirming the amount paid by the insurer to the insured

4. Subrogation Declaration: Clear statement transferring rights from the insured to the insurer

5. Cooperation Commitment: Statement committing to cooperate with the insurer in pursuing the claim

6. Signature Block: Space for insured's signature, date, and witness signature if required

Optional Sections

1. Third Party Details: Information about the responsible third party, if known at the time of signing

2. Claim Documentation Reference: List of supporting documents when extensive documentation exists

3. Partial Subrogation Statement: Required when the subrogation only covers part of the total claim amount

4. Power of Attorney: Additional authorization for the insurer to act on behalf of the insured, if needed under specific circumstances

Suggested Schedules

1. Schedule A - Claim Details: Detailed breakdown of the claim amount and payment details

2. Schedule B - Supporting Documents: List of all relevant documentation supporting the claim

3. Schedule C - Third Party Information: Complete details of the third party against whom recovery is sought, if known

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Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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