What is included in subrogation and recovery outsourcing?
The work of getting money back from parties responsible for a loss your client already paid. Teams screen paid and open claims for recovery potential, gather evidence such as police reports, photos and estimates, prepare demand packages, follow up with other carriers and liable parties, prepare inter-company arbitration filings for your staff to approve, track liens and statutes of limitation, and record settlements and payments. Recovery counsel and adjusters decide strategy and accept or reject offers. Law-firm lien clearing on settlements is on lien resolution outsourcing.
Recoveries are lost to missed deadlines and thin files more than to weak cases. A dedicated desk keeps every opportunity moving until it pays or closes.
Let 6–10 mid-sized Philippine subrogation teams recover their best offer for you.
Recoveries identified and pursued, not left on the table. Meet the industry-leading subrogation specialists your claims VP will want to keep. Shortlist in 48–72 hours. No cost to you, no obligation to buy.
Pursue, hold or close a recovery file
Screening decides where effort goes. The calls below are made against your own thresholds.
| Situation | Path | Why |
|---|---|---|
| Clear liability, solvent third party | Pursue: build the demand package | Strongest chance of recovery |
| Liability unclear, evidence still coming | Hold: diary the file and chase evidence | Decide once the facts are in |
| Deadline approaching | Escalate to your counsel | Statutes of limitations can’t be missed |
| Amount below your pursuit threshold | Close and record the reason | Cost of pursuit outweighs recovery |
| Health plan or lien involved | Coordinate before settling | Liens must be resolved before payment |
What changes with a vetted subrogation team.
Where a general claims back office and a dedicated recovery desk differ.
What a subrogation and recovery team runs: four queues.
Most carriers start with screening and demand packages on auto and property claims, then add arbitration support and health or workers comp recoveries.
Review paid and open claims for third-party liability, product defects or other responsible parties, and open recovery files with deadlines.
Gather police reports, photos, estimates and payment records, prepare demands and follow up with carriers and liable parties.
Prepare inter-company arbitration filings and responses for staff approval, and support counsel with evidence and timelines.
Track liens on bodily injury and medical claims, record settlements and post recovered payments.
See lien resolution →Who buys subrogation and recovery from the Philippines.
Payers that settle claims first and recover later: insurers, health plans and administrators who need a steady recovery process without adding in-house staff.
Operating model and controls
Every paid claim is screened. Files with recovery potential get an owner, a deadline and a demand; the team follows up on a schedule and your recovery staff approve every filing and settlement.
What each role costs in 2026, per hour, fully loaded
Ask each vendor to price against your monthly paid claims, recovery referral rate and average open recovery files. Rates confirmed per engagement.
Scope my recovery desk →Who outsources subrogation, and where recoveries leak.
High volumes of collision and property claims with clear liable parties.
Third-party liability behind work injuries, with state-specific rules.
Accident-related medical claims paid before liability is known.
Recovery work spread thin across many client programs.
Subrogation and recovery outsourcing in the Philippines: getting paid claims back
Subrogation and recovery outsourcing to the Philippines gives insurers, health plans and administrators a desk for one of the clearest returns in claims: money recovered from parties responsible for a loss. When an insured’s car is hit by another driver, or a defective product causes a fire, the carrier pays first and then has the right to recover from whoever caused it. Many of those recoveries are never pursued, or pursued too late.
Filipino claims teams already run recovery work for US carriers and health plans. They are trained on claims systems, used to document-heavy files and comfortable with steady phone and email follow-up. Hubs in Manila, Cebu and Clark cover the US business day. Our guide to claims processing and adjudication covers the wider picture.
Screening, evidence and demand packages
The first job is finding the opportunities. The team screens paid claims against your recovery rules, looks for liable parties in the file and opens a recovery record with the deadline that applies. For auto claims this is often straightforward; for property and health claims it may mean looking for product defects, contractor errors or accident details.
Each demand needs a clean package: proof of payment, damage evidence, police or incident reports, coverage facts and a clear amount. Strong packages are accepted faster and leave less room for argument.
Follow-up, arbitration and deadlines
Most recoveries are settled by follow-up rather than argument. The team works each file on a schedule, records every contact, answers questions from the other side and escalates offers to your staff. When carriers disagree on liability, inter-company arbitration is often faster and cheaper than court. The team prepares filings and responses for your recovery staff to approve.
Deadlines matter at every step. Statutes of limitation and arbitration filing windows vary by state and claim type, and some states limit recovery through rules such as the made-whole doctrine. The team tracks every date and flags files long before they expire.
Auto, property and workers compensation recovery
Recovery opportunities differ by line. In auto, carriers pursue at-fault drivers and their insurers, often through inter-company arbitration. In property, recoveries come from contractors, product manufacturers, utilities and neighbors whose negligence caused the loss. In workers compensation, carriers recover from third parties responsible for workplace injuries, subject to state statutes on liens and credits.
Teams trained by line know the evidence each case needs and the deadlines that apply. See insurance claims processing for identifying recovery potential at first notice and workers compensation billing for the medical side of injury claims.
Product liability and expert coordination
Property losses caused by defective products, such as appliances, wiring or plumbing components, can produce large recoveries but require evidence preservation and expert analysis. Recovery teams issue preservation notices, coordinate artifact storage, schedule joint inspections with manufacturers and track expert reports and costs.
Evidence lost early cannot be recovered, so preservation steps must happen in the first days. See catastrophe claims surge for evidence handling during large events and legal services for counsel coordination.
Salvage, deductible recovery and policyholder updates
Recovery includes salvage proceeds from damaged property and vehicles and the policyholder’s deductible, which is often reimbursed when subrogation succeeds. Teams track salvage auctions and proceeds, calculate deductible shares and update policyholders on progress. Policyholders who get their deductible back are more loyal.
Clear letters explaining status and timelines reduce inquiries. See customer retention for the loyalty effect and accounts receivable for tracking recoveries as receivables.
Statutes of limitations and deadline control
Every recovery has deadlines: statutes of limitations that vary by state and claim type, arbitration filing windows, notice requirements and contractual limits. Missing one forfeits the recovery. Teams maintain deadline calendars for every file, escalate files approaching deadlines and confirm filings.
Deadline reports reviewed weekly by recovery managers prevent the most expensive mistakes. See our contracts and governance guide for service levels around deadline control.
Reporting recovery performance
Recovery leaders need to know how much is being recovered, how fast and at what cost. Reports show identification rate, recovery rate by line and source, average days to recovery, arbitration win rates and costs. Comparing recovery against paid losses shows whether opportunities are being missed upstream.
See data analytics for reporting programs and fraud detection for claims that should be referred rather than pursued.
Choosing a subrogation partner
When you compare vendors, ask about line-of-business experience, arbitration forum experience, deadline control, evidence handling for product cases and reporting. Ask for sample demand packages and deadline reports.
Vetted mid-sized Philippine providers usually start subrogation programs with 4 to 20 specialists and report identification rate, dollars recovered, recovery cycle time, arbitration outcomes and deadline misses. See insurance outsourcing and the BFSI hub for related programs.
Liens, health plan recoveries and the metrics that matter
Health plans and workers compensation carriers often recover through liens on bodily injury settlements. The team identifies cases where an attorney is involved, sends lien notices, tracks case status and records the final amount agreed by your staff. Health plan recoveries also need HIPAA controls and careful handling of medical records.
Vetted mid-sized Philippine providers usually start recovery desks with 5 to 15 people and report referral rate, recovery rate, recovery cycle time, files approaching deadline and dollars recovered by line of business and counterparty.
Two control gaps that slow outsourced subrogation and recovery.
Both are fixable before go-live.
When not to outsource subrogation and recovery.
What claims leaders ask before they outsource subrogation.
Straight answers to the questions that decide a subrogation and recovery engagement, from the principals who run them.
Subrogation and its neighbors in BFSI.
Subrogation has its own page because recovery work starts after the claim is paid and runs to its own deadlines and counterparties.
Recovery screening, demands, arbitration support and settlement tracking.
Claims processing from FNOL to settlement.
Insurance claims processing →Also serving: subrogation and recovery sits in our BFSI hub under insurance outsourcing. Related pages: insurance claims processing, lien resolution and workers comp billing.
Related specialist pages: certificate of insurance management and FNOL intake.
