Subrogation Letter Template for United Arab Emirates

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Key Requirements PROMPT example:

Subrogation Letter

"I need a Subrogation Letter under UAE law for recovery of AED 500,000 paid out for water damage to commercial property on January 15, 2025, with specific reference to UAE Civil Code provisions on subrogation rights."

Document background
A Subrogation Letter is a critical document in the UAE insurance and legal landscape, used when an insurer seeks to recover payments made to an insured from a third party responsible for the loss. The document becomes necessary after an insurance claim has been settled and the insurer identifies potential recovery opportunities. The letter must be drafted in compliance with UAE Civil Code and Insurance Law requirements, containing specific elements such as claim details, payment confirmation, and explicit subrogation declarations. The Subrogation Letter serves as formal notice of the insurer's rights and intentions, potentially forming the basis for subsequent legal proceedings in UAE courts. It's particularly important that the document adheres to local legal requirements, including the need for Arabic translations when dealing with government entities or courts.
Suggested Sections

1. Header and Date: Formal letter heading including date, reference number, and addressee details

2. Claim Introduction: Brief description of the original incident/claim, including date, location, and parties involved

3. Payment Confirmation: Statement confirming the amount paid to the insured and date of settlement

4. Subrogation Declaration: Formal declaration of the insurer's subrogation rights under UAE law, specifically referencing relevant articles of UAE Civil Code

5. Details of Recovery Rights: Specific details of the rights being subrogated and against whom

6. Legal Authority: Reference to legal basis for subrogation under UAE law and applicable insurance policy provisions

7. Closing and Signature: Formal closing, authorized signatory details, and company stamp as required under UAE law

Optional Sections

1. Multiple Parties Declaration: Required when there are multiple insurers or claimants involved, specifying the proportion of rights being subrogated

2. Conditional Clauses: Used when the subrogation is subject to specific conditions or limitations

3. Time Limitation Notice: Required when there are specific time constraints for exercising the subrogation rights

4. Jurisdiction Clause: Needed when there are cross-border elements to the claim

5. Arabic Translation Declaration: Required when the letter needs to be submitted to UAE courts or government entities

Suggested Schedules

1. Claim Documentation: Copies of original claim documents, incident reports, and proof of loss

2. Payment Evidence: Proof of payment to the insured, including payment receipts and settlement agreement

3. Insurance Policy Extract: Relevant sections of the insurance policy confirming coverage and subrogation rights

4. Power of Attorney: If required, authorization documents for the person signing the subrogation letter

5. Arabic Translation: Certified Arabic translation of the letter and key supporting documents if required for UAE authorities

Authors

Alex Denne

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

Relevant Industries

Insurance

Financial Services

Legal Services

Construction

Maritime

Aviation

Healthcare

Real Estate

Manufacturing

Transportation

Oil & Gas

Retail

Hospitality

Relevant Teams

Legal

Claims

Risk Management

Compliance

Insurance Operations

Corporate Affairs

Dispute Resolution

Recovery

Document Management

Customer Relations

Relevant Roles

Insurance Claims Manager

Legal Counsel

Risk Manager

Claims Adjuster

Insurance Underwriter

Compliance Officer

Legal Director

Claims Recovery Specialist

Insurance Operations Manager

Corporate Lawyer

Subrogation Attorney

Insurance Broker

Chief Risk Officer

Claims Settlement Officer

Industries
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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