I have read a number of accounts of problems with Subrogation Management Team (SMT). Having been through similar harrassment, I wanted to pass on some advice. I was in an accident with a rental car; my insurance paid for the damage and SMT chased me for loss of use, diminution of value and other fees. The first thing I did was to find out my rights.
I spoke to a lawyer (you can usually find lawyers who volunteer time) who underlined that any additional charges relating to the accident, beyond damage, needed proof. I told SMT to only communicate with me via letter (again legally this is your right). Each letter I then received from SMT I replied to with a certified reply demanding proof of the validity of these charges. No matter how threatening the letters from SMT my response was the same. Eventually, I heard no more from SMT.
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