My ltd insurance wants to determine if a third party is responsible after an accident 11 years ago. I was drivimg seone elses car. Is this reasonable.
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Insurance Question from Brookline, MA
Asked on 12/30/2011
My ltd insurance wants to determine if a third party is responsible after an accident 11 years ago. I was drivimg seone elses car. Is this reasonable. I
Answer given on December 30, 2011
When you mention LTD, I am assuming you mean Long Term Disability. They could be searching for the third party to subrogate against the at-fault party. Subrogation is used to try to recoup the money they have paid out for your LTD benefits from the at-fault party. Normally, this happens soon after an accident as opposed to 11 years later. Not knowing the particulars of the accident or the LTD insurance company involved we can only guess the reasoning. Ask the insurance company for their reasons and why 11 years later they are seeking the third party. More than likely, they will be open about needing the information.
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