Which of the following must an insurer include when demanding subrogation from a third party?

The correct answer highlights the necessity for the insurer to include the insured's deductible when demanding subrogation from a third party. This is essential because subrogation involves the insurer stepping into the shoes of the insured to seek recovery from a responsible third party. When the insurer recovers funds, they are entitled to reclaim the amount they have paid out on the insured's behalf. This includes the insured's deductible, as it represents the portion of the loss that the insured was responsible for and had to pay out of pocket.

By including the deductible in the amount claimed, the insurer ensures that they can recoup all relevant costs associated with the claim, reflecting the total financial impact incurred. This practice is central to protecting the insurer's financial interests while ensuring that the insured is made whole, including the recovery of any initial costs they bore due to the loss.

The other options, while relevant to different aspects of auto damage claims, are not necessarily included in the demand for subrogation. For instance, total repair costs and market value may pertain to the overall evaluation of the loss or claim but do not represent the specific financial responsibility of the insured that needs to be addressed in subrogation. The claim number serves as an administrative reference and,