Made-whole compliance
The recovery is scored against each state's made-whole rule to ensure the insured is fully compensated before the carrier asserts subrogation rights.
The most rigorous subrogation recovery service a carrier can use.
Subrogation Recovery Engine recovers dollars on claims your team missed or can't work — not software. An internal AI engine reads the claim file, finds and values the recovery, drafts the demand, and runs the correspondence; licensed recovery specialists own the liability call and attorneys handle litigation. You pay a flat fee per file, not a percentage of recovery.
Every claim file parsed: FNOL, adjuster notes, police reports, photos, medical billsLiability detection & made-whole scoring by stateDemand package & damages exhibit draftedLicensed specialist sign-off on every file5-business-day SLA
Why recoveries are missed
A single missed liability flag can cost thousands.
Every year, U.S. property & casualty insurers leave an estimated $15 billion+ on the table because roughly 15% of claims close without anyone identifying a valid subrogation opportunity — not because the recovery is unwinnable, but because recovery teams hit capacity and never work the file. Closed-file audits put the average miss rate at 16% (range 11–21%), and as high as ~30% in workers' compensation.
Most carriers run recovery by hand, from memory, with teams that are already at capacity. The dollars are sitting in claim systems; the bottleneck is human attention.
Subrogation Recovery Engine exists to close that gap with a single, exhaustive standard applied identically to every file.
16%
average miss rate in closed-file audits — enough to leave millions unrecovered
The benchmark
Measured against the letter of state subrogation law — statute by statute.
We do not summarize the law and hope. Every file is scored against a versioned rule pack tied to the exact text of each state's subrogation statutes and made-whole doctrine. These are the provisions each file is held to.
Anti-subrogation screening
Each file is checked against state anti-subrogation laws that bar recovery in certain lines or circumstances.
Third-party liability flag
The AI reads the entire claim file to identify any third-party liability, scores the probability of recovery, and estimates the gross recovery value.
Five demand elements
Itemized damages, liability basis, supporting evidence, demand amount, and payment deadline — all present, or the file does not release.
SOL calendar
The applicable statute of limitations for each state and cause of action is verified and tracked; no demand is sent if the SOL has expired.
Arbitration readiness
For files subject to inter-company arbitration (e.g., Nationwide, Arbitration Forums), the demand is formatted per the applicable forum rules.
How a recovery is built
Intake to specialist release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A human specialist signs every release. That order is never reversed.
01
Closed-File Audit
Upload a batch of closed claims. We return a free completeness read: which files have missed subrogation opportunities, and the estimated recovery value.
02
Evidence & liability search
As your authorized clerical agent, we parse the claim file (FNOL, adjuster notes, police reports, photos, medical bills) and run third-party liability checks.
03
Grounded drafting
The demand package is drafted from your validated data and the state-specific rule pack into field-locked templates — no legal opinions, no invented facts.
04
Deterministic completeness gates
Made-whole compliance is verified; the SOL is checked; the demand elements are resolved; SCRA is screened. Any failure blocks release.
05
Specialist release
A licensed recovery specialist reviews the exception queue and signs the release. High-value or complex files route to attorney review first.
06
Delivery
You receive the recovery: demand package, evidence log, made-whole analysis, SOL calendar, and correspondence trail — ready for the carrier to send under its own name.
The bar we hold
Rigor you can measure.
100%
Specialist-released
No file ships without a human signature.
5 days
Standard SLA
From complete intake to released demand.
<1%
Critical-defect target
Tracked against a gold-standard file library.
50+
State subrogation rule packs
Every state's made-whole doctrine and anti-subrogation statutes, versioned.
Why Subrogation Recovery Engine
Built to be the most thorough option a carrier has.
Documentation-complete, by design
The deliverable is completeness itself — every statutory element and search accounted for or explicitly exception-coded. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A drafting error cannot slip past a statutory requirement.
In its lane, on purpose
We prepare documentation and run searches as your clerical agent. We never contact the third party, give legal advice, or conduct the litigation.
Engagement
Flat fee per file, not a percentage of recovery. No contingency, ever.
Simple, predictable, and aligned with a documentation standard — not a cut of any recovery.
- A free Closed-File Audit before you commit — see exactly what is missing.
- One flat fee per file; disclosed pass-through search fees.
- Optional fixed-fee attorney review for high-value or complex files.
- No contingency, no percentage of any recovered amount.
FAQ
Questions, answered precisely.
Is Subrogation Recovery Engine a law firm?
No. Subrogation Recovery Engine, a service of Your Deputy, Obuke LLC, provides documentation-completeness services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. Attorney review is available and recommended for high-value or complex files.
Do you contact the third party or collect the debt?
Never. Subrogation Recovery Engine is not a debt collector and does not contact third parties or debtors. The carrier remains the subrogation claimant and the party responsible for sending all demands and conducting any litigation.
What makes a file 'complete'?
Completeness is defined by the applicable state law: made-whole compliance verified, anti-subrogation screening passed, liability detected and valued, demand elements present, SOL tracked, and arbitration rules followed. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is five business days from complete intake to a specialist-released demand. The free Closed-File Audit is returned much sooner and tells you exactly which files have missed opportunities.
How are you priced?
A flat fee per file, plus disclosed pass-through search costs. No contingency and no percentage of any recovered amount.
See what's missing before it costs you millions.
Start with a free Closed-File Audit. Send a batch of closed claims and we'll return a completeness read against every applicable state subrogation statute.
Documentation-completeness service · not legal advice · the carrier sends every demand.