If there is a clause within the MIG agreement which says that the insurer can swap the lender's name for yours, then when they pursue a claim through the courts, then I would have thought that the MIG document would have to be provided during the discovery process. If that document is the proof that you are liable for the debt, then they're going to have to provide it. Any court will require a claimant to prove how they are owed the money.(posted 8567 days ago)If you did receive a summons then you could put in a defence saying that as far as you are aware there is no contract between you and the insurer and that you have not been provided with any evidence that you are liable for the debt.