Subrogation Practice Areas

Recovering Unpaid Premiums Requires Robust Coverage

Unfortunately, there are times when pursuing recovery for unpaid premiums from commercial entities is necessary. When insurance companies have premiums and deductibles that have not been paid, pursuing the delinquent party can become contentious and complex. As opposed to subrogation cases, these types of cases are often overlooked due to the resources required to properly pursue them.

Rathbone Group is the ideal partner for recovering unpaid premiums. Not only do we understand and appreciate the nuances of subrogation and the insurance business generally, but we also have extensive experience handling collections, contract claims, complex litigation, and enforcing judgments.

Making Insurance Subrogation Recovery Simple & Effective

With a myriad of legal defenses available, extensive litigation experience and a proactive review of the issues is a must. Rathbone Group’s offense-based approach to recovering unpaid insurance premiums minimizes losses for our clients:

With a myriad of legal defenses available, extensive litigation experience and a proactive review of the issues is a must. Rathbone Group’s offense-based approach to recovering unpaid insurance premiums minimizes losses for our clients:

Proactive Review of the Case

• Rathbone Group will identify all potential issues before litigation starts to determine the best strategy to undertake.
• Rathbone Group will try to identify any possible defenses that the commercial entity may raise.

Quantifying Specific Damages

• Damages are reviewed to verify they are definite in amount, able to be proven in court, and not speculative.
• We will review the policy to try to accelerate the entire balance of the policy because of the failure to pay in one installment whenever possible.
• A possible contested audit is addressed pre-litigation to prevent unnecessary and costly arguments.

Comprehensive Asset Identification

• Asset attachment can occur at suit filing depending on the state. However, this can be expensive and may require you to post a bond (normally in an amount equal to twice the amount of your claim). Moreover, in all states, pre-judgment attachment is only available upon a showing of exigent circumstances (i.e. debtor company would have transferred its assets by the time a judgment was obtained).
• RG utilizes various asset skip-tracing resources to obtain all available asset information to execute on a judgment.
• Post-judgment discovery is available to further likelihood of recovery.

The Rathbone Group Advantage: Strategic Subrogation Case Management

As a nationwide subrogation law firm offering a unique, competitive brand of legal services for insurance disputes, we are well-versed at recovering unpaid premiums from commercial entities. While these cases are, by nature, acrimonious, that does not mean a fair, swift settlement cannot be achieved. Utilizing our team’s diverse skill set and breadth of jurisdictional knowledge, Rathbone Group helps clients recover losses with efficient, creative and cost-effective means.

Contact Rathbone Group