body: My neighbor does odd jobs for me such as taking out the trash, cleaning out the gutters, etc. They fell off a ladder and required medical attention. Recently, they received a letter from their insurance provider that states:
  
  
  
  > 
  > If another person or entity caused or may be responsible for the
  >  injury/illness treated, we have processed the claim in accordance with
  >  your contract benefits. However, we may be able to recover the expense
  >  of these services from the party causing the injury. Before we can
  >  close this matter, we require additional information from you.
  > 
  > 
  > 
  
  
  Are they obligated to respond? If so, how should they respond?
  
  
  
title: Liability for neighbor injured on my property