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Subrogation recovery

Identifying claims where a third party's liability means the carrier can recover part or all of its payout, and pursuing that recovery. A structurally underworked part of the claims process in US carriers — recovery rates vary widely across carriers of similar size.

The three rungs

Legacy

Dedicated subrogation adjusters reading closed claim files and flagging candidates by hand; or external recovery vendors working on a percentage-of-recovery fee. Both approaches leave money on the table because the screening happens late.

Modern

Cloud SaaS and classical ML; tools founded roughly 1995 – 2015.

AI-native

Built around deep learning or LLMs from day one; tools founded mostly post-2015.

Like fraud detection, subrogation has no dominant modern SaaS layer. The category goes from the legacy manual-review workflow straight to AI-native screening. Shift Technology's 2025 agentic claims platform explicitly names subrogation as a supported action, applying graph analytics to identify recovery candidates at claim open rather than at close.

Ranked comparison

2 tools covered · methodology
  1. #1 · ai-native · fraud-detection

    Shift Technology

    www.shift-technology.com
    15/20
    75%

    AI platform for insurers focused on claims fraud detection, claims automation, subrogation, and financial-crime detection. 100+ customers across 25 countries; 2 billion claims analysed.

    traction
    5/5
    maturity
    4/5
    coverage
    4/5
    recognition
    2/5
  2. 10/15
    67%

    The US property/casualty industry's cross-carrier claims database — 1.8 billion+ claims contributed by 1,850+ carriers, TPAs, and self-insureds (including the top 100 US P&C insurers), used for duplicate-claim detection, fraud scoring, and subrogation lead identification. Subsidiary of Verisk Analytics (NASDAQ: VRSK).

    traction
    3/5
    maturity
    n/a
    coverage
    4/5
    recognition
    3/5