In the United States, nearly 13% of motorists are uninsured.  That’s approximately one in every eight drivers.  While the percentages vary considerably by state, Maine has the lowest percentage of uninsured motorists at 4.5%, while Florida has the highest percentage at nearly 27%.  When an insured driver is injured by an uninsured driver, the problems facing their insurance company are myriad.  The tortfeasor can be hard to locate and often assets are scarce.  Many insurance companies conclude that pursuing subrogation recovery against an uninsured and judgment-proof driver is simply futile.  However, with the right experience and tools, all may not be lost.

At Rathbone Group, we use advanced skip-tracing methods to locate individuals who are missing or attempting to hide. A Rathbone Group evaluation of an uninsured motorist subrogation claim increases the likelihood that our clients recover from the uninsured tortfeasor. Furthermore, our investigative process may identify additional parties liable under a subrogation theory and create the opportunity to argue for coverage, even if it was previously denied.

Rathbone Group’s uninsured auto claims review, combined with our top-notch historical data evaluations, allow clients to understand the likelihood of recovery under a subrogation theory and to make informed decisions regarding litigation.

In addition, with every state having a separate set of laws and regulations surrounding subrogated recovery from uninsured motorists, you need a legal team that understands everything from license forfeiture to statute of limitations issues (which are significant and complex in this legal space).

Cost-Conscious Subrogation

Here at Rathbone Group, we focus on the efficient and cost-effective pursuit of uninsured tortfeasors.  Our team has an extensive understanding of post-judgment recovery options, and we help guide our clients through strategic decision-making at every stage of the litigation process to help maximize possible recovery.

Subrogation Campaigns for Recovery

Rathbone Group lawyers know how to initiate an effective letter and call campaign before litigation to engage responsible parties in negotiations, even if they are uninsured and avoiding detection.

This direct contact with the tortfeasor helps insurance companies to evaluate whether subrogated litigation is advantageous.

After judgment, such campaigns increase opportunities for liable persons to satisfy judgments.

Subrogation at Your Direction

Clients’ needs vary.  We tailor the process of pursuing recovery to your goals and budgets.

We provide you with valuable state-based historical recovery data to helpmake informed and judicious decisions.