Subrogation Practice Areas
Subrogation Services for Uninsured Auto/Home/Fire/Property Claims
Finding Recoverable Assets in Uninsured Subrogation Claims
When a person is injured or a property damaged by an uninsured party, the obstacles to successfully recovering a subrogation settlement are numerous, and unlike with insured claims, there may not be a pot of money to recover from despite your best efforts. Such parties and be hard to locate, their assets hidden or scarce, and the limited personal information you have may be outdated.
For these reasons, insurers generally conclude that pursuing subrogation recovery against an uninsured party is futile – a waste of time and money. However, maximizing subrogation recovery opportunities isn’t just about the context of the case, but the quality of the case management. Rathbone Group’s subrogation lawyers and experienced staff have the capability to change outcomes that seem inevitable through our analytics, proficiencies, proactive approach, and determined effort to succeed.
Strategic Subrogation Services for Uninsured Auto and Property Claims
Rathbone’s uninsured specialist recovery team respectfully and clearly communicates the need to resolve the uninsured subrogation through calls, emails, and letters to tortfeasors. Our team of subrogation attorneys and specialists use advanced skip-tracing methods to locate individuals who are missing or attempting to hide. We also used such methods to locate assets that increase the possibility of the recovery of uninsured subrogation claims.
Rathbone also makes it simple for uninsured tortfeasors to pay subrogation claim damages by offering online payments options, including credit cards, debit cards, Zelle, and ACH. Our use of administrative pre-suit license suspensions, where permitted, is also a strength to recover an uninsured subrogation claim before the litigation process begins.
Subrogation Strategy: Are There Additional Third Parties to Pursue?
Rathbone investigates and evaluates each uninsured subrogation claim to determine if any additional parties may be liable, if a claim can be made against an insurer and if there is reason to request reconsideration of a previously denied claim. If necessary, our team also determines if a suit against an uninsured party is warranted, given that the remedies for an unsatisfied judgment against an uninsured party vary state to state.
We have decades of experience and data accumulated to provide strategic guidance as to where best to spend your court costs on an uninsured subrogation claim. It is easy to become underwater with costs on an uninsured portfolio. An analysis of assets on the claim and prior performance in the applicable jurisdiction are critical to the success of uninsured subrogation. Our uninsured claims review and deeply through historical data evaluations allow clients to understand the likelihood of recovery under a subrogation theory. This includes considering alternate routes to recovery, such as subrogation arbitration or mediation, though sometimes litigation is necessary.
At various points of the recovery process, effective letter campaigns at no cost to clients increase opportunities for uninsured parties to satisfy judgments or pay off long-term payment plans, especially at certain times of the year. Rathbone carefully evaluates each claim to be included in such programs. The success of these campaigns is proven year after year and is indicative of Rathbone’s creative approach to uninsured subrogation recovery and proof that we know our job isn’t over just because we obtained a judgment.
Clear Communication: National Coverage and A Subrogation Process at Your Direction
Our team of committed subrogation lawyers are licensed throughout the US and Canada. Our attorneys, claims adjusters, and subrogation specialists are well-versed in pre-suit settlements, negotiation, mediation, arbitration, and litigation; we can deftly navigate the nuances of subrogation laws across the country.
Rathbone Group is a nationwide subrogation law firm offering strategic, supportive, and cost-effective subrogation services. We provide clients with superior legal expertise in subrogation law and process. Clients’ needs vary, so we tailor the process of pursuing recovery to your goals and budget. We provide you with valuable, state-based historical recovery data to help you make informed and judicious decisions.
While uninsured auto, home, or property subrogation is almost never an easy road, you should not assume a total loss without giving a claim a second look for subrogation potential. Whether we can identify additional liable parties, locate an evasive tortfeasor, or identify additional assets to pursue, even uninsured losses can be recouped.