INSURANCE SUBROGATION RECOVERY MANAGEMENT CHECKLIST 2026

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--- INITIAL CLAIM IDENTIFICATION & SUBROGATION FLAGGING ---
[ ] Date of Incident
[ ] Claim Reference Number
[ ] Initial Subrogation Potential (High, Medium, Low, None/No Recovery Potential)
[ ] Subrogation Trigger Identified (Third-Party Property Damage, Third-Party Bodily Injury, Uninsured/Underinsured Motorist, Subrogated Property/Asset Damage, Employer/Workers Comp Liability)
[ ] Preliminary Fault Assessment Summary
[ ] Initial Incident Report/Evidence

--- LIABILITY INVESTIGATION & EVIDENCE COLLECTION ---
[ ] Date of Incident
[ ] Third-Party Driver/Entity Name
[ ] Evidence Collected (Police Report, Photos of Damage, Witness Statements, Dashcam/CCTV Footage, Surveillance Video)
[ ] Incident Location
[ ] Detailed Description of Liability Circumstances
[ ] Upload Supporting Documentation

--- THIRD-PARTY IDENTIFICATION & CONTACT PROTOCOL ---
[ ] Third-Party Name
[ ] Third-Party Insurance Carrier
[ ] Policy Number (Third-Party)
[ ] Date of Initial Contact
[ ] Contact Method Used (Email, Phone Call, Certified Mail, Digital Portal)
[ ] Proof of Contact Documentation
[ ] Contact Summary & Notes

--- SUBROGATION DEMAND & DEMAND LETTER MANAGEMENT ---
[ ] Demand Letter Issue Date
[ ] Claim Reference Number
[ ] Third-Party Insurer Name
[ ] Total Amount Demanded ($)
[ ] Demand Status (Drafting, Sent, Acknowledged by Third Party, Negotiating, Settled)
[ ] Summary of Liability Arguments
[ ] Final Demand Letter PDF
[ ] Supporting Documents Included (Police Report, Repair Estimates, Photos of Damage, Medical Records)

--- NEGOTIATION & SETTLEMENT TRACKING ---
[ ] Negotiation Start Date
[ ] Counter-Offer Received From Third Party
[ ] Proposed Settlement Amount
[ ] Negotiation Status (Initial Offer Made, Counter-Offer Received, Negotiation in Progress, Settlement Agreed, Negotiation Closed - Failed)
[ ] Negotiation Summary & Notes
[ ] Settlement Agreement Document
[ ] Adjuster Approval Signature

--- RECOVERY FUND & REIMBURSEMENT RECONCILIATION ---
[ ] Date of Funds Receipt
[ ] Total Amount Recovered
[ ] Policyholder Deductible Reimbursement Amount
[ ] Reconciliation Status (Pending Verification, Partially Reconciled, Fully Reconciled, Discrepancy Identified)
[ ] Proof of Payment/Bank Credit Advice
[ ] Discrepancy Notes and Resolution Steps
[ ] Claims Auditor Verification

--- LEGAL & LITIGATION OVERSIGHT ---
[ ] Litigation Status (Pre-Litigation, Active Litigation, Mediation/Arbitration, Closed/Settled)
[ ] Assigned Legal Counsel Name
[ ] Court Filing Deadline
[ ] Legal Pleadings or Court Orders
[ ] Case Summary & Legal Strategy
[ ] Estimated Litigation Reserve Amount
[ ] Legal Review Approval

--- SUBROGATION PERFORMANCE ANALYTICS & REPORTING ---
[ ] Reporting Period End Date
[ ] Total Subrogation Recoveries Achieved ($)
[ ] Total Subrogation Losses Incurred ($)
[ ] Recovery Success Rate Category (Below 50%, 50% - 75%, 75% - 90%, Above 90%)
[ ] Key Performance Indicators (KPIs) Tracked (Recovery Ratio, Average Days to Recovery, Subrogation Leakage Amount, Third-Party Denial Rate)
[ ] Analysis of Recovery Trends & Variance Notes
[ ] Monthly Subrogation Performance Report (PDF/Excel)

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