Subrogation & Recovery Law
Rathbone Group: A National Leader in Subrogation Law
Rathbone Group’s attorneys have been practicing subrogation and recovery law since the 1990s. We tirelessly advocate for insurers’ and creditors’ right to recovery under a theory of equitable subrogation with a team of skilled attorneys, adjusters, and specialists focused on maximizing your recovery while minimizing the cost of subrogation pursuit.
Rathbone Group represents many types of clients: just a few include insurance and reinsurance companies, Third-Party Administrators (TPAs), and self-insured entities across the United States. Rathbone Group handles all areas of subrogation claims, including:
- Insured and uninsured automobile
- Property subrogation
- Maritime and admiralty
- Worker’s compensation subrogation
- Fidelity and surety bonds
- Group health and disability
- Cyber liability
- Subrogation against government entities
- Recovery of insurance premiums
Rathbone Group’s claims portfolio includes a broad spectrum of losses, from thousands of dollars to millions.
Our topnotch team of lawyers and managers blends consummate subrogation legal experience with a leading-edge, team-centered approach to successfully handle the most complex subrogation claims.
Subrogation is a technical, niche area of law; insurance companies rely on Rathbone Group’s expertise to navigate these treacherous waters. With high stakes, complicated fact patterns, and intricate legal concerns, experienced subrogation attorneys can mean the difference between success and failure.
What to Expect from Rathbone Group’s Subrogation Services
With the statute of limitations clock ticking, Rathbone Group’s team begins a swift, thorough, and cost-effective investigation into the facts of the subrogated matter. As part of our contingent-fee services, in-house managers and specialists perform activities that could be outsourced to hourly fee consultants, thereby reducing investigation expenses.
When warranted, our attorneys move quickly to interview witnesses, liaise with public authorities, and identify, preserve and analyze relevant physical evidence. When the client approves retention of outside experts, our subrogation team works closely with those experts to expediently establish the relevant findings.
In addition to regular narrative reports from our subrogation attorneys, clients are able to keep up with the progress of their subrogation claim through a highly secure web-based client portal. If requested, our regular client update meetings ensure specific attention is given to each subrogated insurance claim, and we insure that all claims comply with reporting and budgetary requirements.
Client references are available upon request.
Understanding Subrogation & Recovery
After an insurance claim, subrogation recovery is the process through which carriers collect damages. The creditor who paid out the damages to their insured then has the right to recover that payout via subrogation. Effective subrogation recovery helps to keep insurance premiums low and allows carriers to focus on customer service, protecting their profitability and industry reputation.
Subrogation is a niche area of law, and creditors are not often looked upon kindly by the courts. The law firm that manages a subrogation lawsuit is a critical factor in successful recovery of damages. That requires nationwide coverage, an understanding of different state laws regarding insurance and subrogation, a team of skilled investigators and strategic litigators, and a cost-effective approach to subrogation pursuit.
We Are Committed to Maximizing Client Subrogation Recovery
Our goal as subrogation and recovery counsel is to identify, investigate, and successfully prosecute or arbitrate actionable subrogation claims based on thorough claim analysis seen through the lens of our decades of practical experience. We are committed to advocating our clients’ right to recover as well as to providing educational resources for insurance and subrogation professionals across the industry.
Where possible, we negotiate subrogation settlements via mediation or arbitration because of the advantages this provides the client in cost and time investment. However, we always work within subrogation statutes of limitations to ensure that when a lawsuit is necessary, our clients are ahead of the game.
We pursue every loss with subrogation potential while identifying non-meritorious claims and recommending our insurance clients close them, to avoid the incremental costs insurers incur by keeping non-viable claims open. Using a contingency fee structure, our subrogation practice handles claims creatively, aggressively, and successfully, without exposing clients to significant out-of-pocket fees.