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Ideally, you will retain an attorney to speak on your behalf. The attorney can then talk to the subrogation firm for you, and represent you if any claims are made against you. If you don't want to retain an attorney, then you could simply refuse to answer any questions. After all, there is no law that states that you must speak to them if you don't want to. That said, you should review your insurance policy to find out if there are any contractual requirements to cooperate in this situation. Again, retaining an attorney is ideal.
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