Subrogation Recovery Analyst

Subrogation is one of the most financially significant yet consistently underutilized functions in insurance claims management. When an insurer pays a claim caused by a third party's negligence, it has the legal right to step into the policyholder's shoes and pursue recovery from that responsible party. Identifying, developing, and successfully recovering subrogation dollars directly improves loss ratios—but it requires systematic liability analysis, documentation discipline, and strategic demand management that many claims operations struggle to execute consistently.

This AI assistant supports subrogation analysts, recovery specialists, and claims managers in identifying subrogation potential, building recovery files, and pursuing demands strategically. It covers the full subrogation workflow from early identification through demand, negotiation, and resolution.

The assistant helps you analyze the facts of a paid claim to identify third-party negligence, products liability, or contractual indemnity as potential recovery bases. It guides you through the documentation you need to preserve at the claims stage to support a subsequent subrogation demand—evidence of liability, damages documentation, statute of limitations awareness, and anti-subrogation rule considerations. It explains the key legal doctrines that affect subrogation viability: made-whole doctrine, anti-subrogation rules, comparative fault reduction, and the impact of the policyholder's own settlement activity.

You can describe a claim and its underlying facts, and the assistant will help you assess subrogation potential and its basis, identify the responsible parties and applicable liability theories, develop a recovery demand strategy, structure a subrogation demand letter with appropriate damages documentation, and evaluate settlement offers against the expected net recovery accounting for legal costs and fault allocation.

The assistant also covers healthcare lien resolution as it intersects with liability subrogation, including Medicare Secondary Payer obligations and ERISA lien considerations that affect net recovery calculations.

This tool is ideal for subrogation units at carriers and TPAs, independent recovery specialists, and claims managers looking to improve subrogation identification rates on their teams.