Subrogation + Insurance Claim Workflow

When your driver is hit by another party (not at fault), subrogation may recover your losses. The process takes 6-24 months typically.

When subrogation applies

• Your driver not at fault
• Other party identifiable + insured
• Your insurance carrier paid damages
• Your carrier wants to recover from the other party's insurance

How subrogation works

1. Insurance company pays your claim
2. Your insurance company seeks reimbursement from other party's insurance
3. Other party's insurance pays (usually after negotiation)
4. Your insurance reimburses you (or your insurance comp)
5. Process complete

Timeline

• Hour 0: crash occurs
• Day 1: police report obtained
• Day 7: insurance claims filed
• Day 30-60: damage assessments
• Day 60-180: settlement negotiations
• Day 180-365: settlement or litigation
• Day 365-730: payment + closure

What carrier provides

• Police report
• Insurance claim documentation
• Driver statement
• Witness statements
• Dashcam footage
• Vehicle damage assessment
• Cost of cargo + downtime
• Other documented losses

Common subrogation challenges

• Other party's insurance disputes liability
• Other party uninsured
• Other party undocumented
• Damage assessment disputes
• Cargo loss valuation disputes

When NOT subrogated

• Your driver at fault (you're paying)
• Crash declared no-fault (some states)
• Other party already paid you directly
• Hard to identify or contact other party

Recovery typical %

• Clear other-party fault: 80-95% recovery
• Disputed fault: 30-70% recovery
• Hard-to-identify other party: 0-30% recovery

Compass support

• Tracks claim through subrogation cycle
• Documents losses (vehicle damage, cargo loss, downtime cost)
• Generates carrier statement for claim
• Coordinates with insurance carrier on subrogation status

CFR citations

• Insurance Industry Practice
• Tort Claim Law

How Compass surfaces this

Searchable in Compass Ask. Runs against carrier fleet data when invoked from the relevant tracker. Read-only; no actions without explicit user approval.

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X3 Compass turns these skills into a complete operational platform: driver qualification files, drug & alcohol consortium, MVR pulls, hours-of-service tracking, hazmat shipping, IFTA filing, FMCSA audit prep, and DataQ dispute drafting — all CFR-cited, all in one place.

This skill is published under the X3 Compass open skills initiative. Contributions welcome at https://github.com/x3fleetsafety/skills