Subrogation Claim Viability Analyzer
Assess subrogation claim viability instantly with data-driven recovery analysis
What You Can Do
This skill evaluates auto insurance subrogation claims to determine recovery potential and whether pursuing a claim justifies the costs and effort. You input claim details—damages, liability clarity, insured cooperation, and case complexity—and receive a viability score, detailed risk assessment, and a recommendation on whether to proceed with recovery efforts.
Features
Analyzes the strength of fault determination and liability evidence to gauge recovery likelihood
Evaluates total claim damages and determines recovery potential based on policy limits and asset availability
Estimates investigation, legal, and collection costs to compare against potential recovery amounts
Generates a quantified viability score (0-100) based on all relevant factors for consistent prioritization
Assesses likelihood of claimant support and participation in subrogation proceedings
Identifies missing evidence or documentation needed to strengthen recovery position
Projects expected duration of claim resolution based on complexity and jurisdiction factors
Example Output
Viability Score: 78/100 — Recommended for Pursuit
Liability Assessment: Strong (85%) — Police report clearly establishes at-fault party; witness statements corroborating.
Recovery Potential: $24,500 of $28,000 claimed damages recoverable.
Estimated Costs: Investigation ($800), Attorney ($2,200), Collection ($500) = $3,500 total.
Net Recovery: $21,000 (cost-benefit ratio 6:1)
Risk Factors: Minor — Defendant has active commercial auto policy; cooperative insured.
Recommendation: Proceed with expedited investigation. High ROI and strong liability position warrant pursuit.
What's Included
- Viability Assessment Framework: Structured methodology for evaluating all material factors in subrogation recovery decisions
- Risk Scoring Model: Quantified scoring system that translates claim characteristics into actionable viability scores
- Recovery Cost Calculator: Built-in estimator for investigation, legal, and collection expenses specific to auto claims
- Documentation Checklist: Comprehensive list of required evidence and documentation to maximize recovery position
- Decision Matrix: Clear threshold guidelines for recommending claim pursuit, negotiation, or abandonment
Who It's For
- Subrogation Specialists
- Auto Insurance Claims Adjusters
- Claims Managers & Supervisors
- Insurance Recoveries Attorneys
- Auto Insurance Risk Managers
Best For
- Subrogation claim prioritization
- Recovery potential assessment
- Cost-benefit analysis on disputed claims
- Liability strength evaluation
- Case workload triage
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