No-fault is a unique beast in the world of subrogation. While not all states have no-fault or PIP requirements, those that do have some very different laws regarding GVW, commercial vehicles, motorcycles, and orders of priority. Our foundation in no-fault goes back more than thirty years, with beginnings in the New York PIP arena. Today, we are the largest filer of PIP arbitration in the entire state of New York. Over the years, our expertise has spread to other PIP states, including New Jersey, Pennsylvania, Michigan, Minnesota, Florida, and beyond. Each jurisdiction is unique and requires keen understanding by our adjusters of the laws of the land. PIP and Med Pay coordination can be challenging. Orders of priority for vehicle occupants and household members can add to this challenge. Throw a motorcycle into a multi-vehicle accident in Michigan, and it becomes an even bigger challenge. We are up to the challenge, finding significant recoveries for clients from coast to coast. In many of our closed file reviews, PIP is the leading source of missed recovery opportunities. In fact, we reviewed over 100,000 claims for a leading insurer after they had been reviewed by both the adjuster and an outside subrogation partner. After this tertiary review, SecondLook identified and recovered an additional four hundred files that delivered another $2 million dollars in recoveries to this carrier. Our focus on PIP is second to none. Our leaders and staff have years of boots-on-the-ground experience in all of the major PIP states, and our results speak volumes about how we handle these claims for clients. At SecondLook, we have combined advanced analytics and over 600 years of collective claims experience to assist in the identification of missed subrogation.