Apr 21, 2026
Move Subrogation Upstream in Insurance Claims With Agentic Orchestration
We don’t think any carrier deliberately misses recoveries. The miss is structural, due to a high volume of complex claims spread across multiple tools and screens. Anyone could easily miss the opportunity. In many organizations, subrogation is still treated as a downstream review after the claim is adjusted and payments go out. By the time recovery looks at the file, the evidence has cooled, and witnesses are harder to reach, so you’re likely to miss capturing necessary data to make a defensible recovery. Plus, your leverage with counterparties is significantly lower when the file is already heading to closure. That late identification shows up in three key places: Claims leakageThe carrier pays more than its fair share when responsibility isn’t…
By Shane Ernest, Dan Kies
