Subrogation Proprietary ID Algorithm and a Vast Amount of Claims Experience in Auto Claims
Our proprietary ID algorithm and a vast amount of claims experience allow for identifying a significant number of auto insurance subrogation are often perceived to be straight forward. With 40-45% of all accidents involving rear-enders, it definitely seems that way. But the reality is that auto insurance is very complex. In a nation with multiple negligence laws that vary by state, the pursuit of subrogation can be problematic.
Complicating matters are intersection and other accidents where comparative negligence is almost always a factor, yet many adjusters simply assess 100% against one of the parties. The reality is that juries consider comparative negligence more than 50% of the time, even in seemingly straightforward scenarios, such as rear-enders. In more complex scenarios such as gross vehicle weight and loss transfers, the opportunity to miss subrogation opportunities grows exponentially.