Subrogation management software that keeps every open recovery inside its statute and filing window
No recovery left to expire past its statute or filing window.
See one case, screen by screen ↓Software that tracks every open recovery from the demand to cash received — its limitation date, filing window, replies owed and follow-ups — so nothing ages out. Subrogation Recovery Management puts every open file on one deadline tracker and adds six agents that re-check the dates, read the correspondence, draft the letters and filings, and forecast the cash.
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A recovery unit carries hundreds or thousands of open subrogation files. Each one has a limitation date that depends on the loss state, the type of loss and the date the claim accrued; an inter-company arbitration filing that has to go in before that date; replies the unit itself owes; and follow-ups that keep an adverse carrier from going quiet. Today those dates sit in claim-system diaries and spreadsheets, set by hand at intake and rarely looked at again.
Then the law moves. Florida cut its negligence period from four years to two for causes of action after 24 March 2023; Louisiana lengthened its delictual period from one year to two for acts after 1 July 2024. A diary set under the old rule is now wrong in both directions. An adjuster changes, a partial offer sits unanswered, and the file goes cold while the diary still says 2028. Nobody loses these files to bad liability — they lose them to a date nobody looked at.
Estimated split for a typical auto recovery that needs a filing, by hand and with the solution.
Six agents re-check every deadline each morning, draft the follow-ups and filings, and forecast the cash; the supervisor signs.
Monday 12 October 2026. Last night the Tampa office's recovery diary — 412 open files — was brought in. Here is what happens next, screen by screen, in the working solution.
Ines opens the deadline tracker: 1,284 open files and $14.62M open recoverable. Each file is a row with its statute, filing window and response bars on one calendar, red files first. Today: 9 red, 47 amber, 1,141 green, 87 protected — and $296,385 at risk. The forecast rail beside it shows $2,401,900 expected from October to March.
“412 diary files re-checked · 3 statute dates changed · 9 red · 14 follow-ups drafted · 2 filings drafted”
Ines opens the steps. The Tampa diary was matched to claim files — 409 of them, 3 by claim number only. The Statute checker re-computed 412 limitation dates; 409 agree and 3 changed. The Correspondence reader read 63 new replies, offers and payments. The Letter drafter wrote 14 follow-ups, the Arbitration preparer drafted 2 filings, and 9 red files were escalated to Ines.
Ines replays the check. SR-24-08817, Danielle Ostrowski v. Gulfmark Linen Services LLC: a 2022 Subaru Outback rear-ended at a red light in Clearwater, Florida, on 24 October 2024. The spreadsheet diary carried the statute to 24 October 2028 — Florida's old four-year period — so the file sat green, 743 days from its limitation date.
The loss is after Florida's 24 March 2023 change, so the two-year negligence period applies. The bar shrinks from 2028 to October and turns red: the statute runs Saturday 24 October 2026, and the last safe business day is Friday 23 October. The red count goes from 8 to 9, and the amount at risk from $275,440 to $296,385.
“Diary said 24 Oct 2028; the statute runs Sat 24 Oct 2026 — last safe business day Fri 23 Oct.”
Near expiry lists every red file with the action it needs and who decides: a reply to contentions due Friday, a cure notice on a missed $250 payment, three suit referrals to counsel, two tolling agreements still unsigned, and two arbitration filings to sign. The $142,300 Pinecrest Foods referral also needs Colette Arnaud, because it is over $100,000.
The Deadline keeper escalates — it never closes, writes off or files anything.
The demand of $20,945.00 went to Cypress Coast Casualty on 14 January 2025. The adjuster changed from Jo Ann Pruett to Marcus Tillery; on 12 August 2025 he offered $16,325.00, excluding a $2,310.00 frame supplement as prior damage and $310.00 of rental beyond 7 days. Theo countered with photos on 20 August — and there has been no reply in 418 days. The filing and a final demand are already drafted.
Kestrel Ridge Insurance v. Cypress Coast Casualty, for $20,945.00: repair, 14 days of rental, towing and the insured's $1,000.00 deductible. Four contentions — liability, damages, the frame supplement and rental — each with its source, from the crash report to the pre-loss inspection of 3 September 2024 and the shop's parts log. Seven exhibits, 31 pages, and the checks before filing: inside the statute, the respondent a forum member, the deductible returned to the insured first.
No contention without a source.
Ines reads the contentions against their sources and signs with the meaning “I approve this filing”. The filing is stamped FILED 09:12 and the statute is protected. On the tracker the file moves to Protected, and its expected $17,990 lands in the January–February forecast — similar files took a median 84 days to a decision and most paid within 30 days of it.
Agents never file — the supervisor signs.
In Follow-ups, the final demand to Marcus Tillery is first of 14 letters drafted for approval. It offers to settle at $19,800.00 if payment is confirmed by Monday 19 October 2026, says the filing for the full $20,945.00 will be withdrawn on receipt of payment, and states that the $1,000.00 deductible goes back to the insured first. Nothing is sent until the file's specialist approves it.
The forecast comes from how 6,912 closed recoveries paid from 2021 to 2026, by segment: $2,401,900 expected from October to March, $1,417,700 of it this quarter. Raj switches to the scenario where the red files are filed, tolled or referred this week: $129,760 more, $2,531,660 in all.
The same recovery unit, seen by the four people who carry it — what their week looked like, and what it looks like now.
Six agents re-check every deadline each morning, draft the follow-ups and filings, and forecast the cash; the supervisor signs.
Computes each file's limitation date from loss state, loss type, loss date and accrual rule, using the rule book, and flags every date that disagrees with the file.
Every morning at 06:00 sets file-by dates, response and cure dates and follow-up diaries; colours the tracker red, amber or green and escalates red files.
Reads replies, offers, denials and payments from adverse carriers and parties, and records amounts, reasons and adjuster changes.
Drafts follow-ups, final demands, tolling requests, cure notices and replies to contentions in the unit's templates.
Builds inter-company arbitration filings: parties and claim numbers, amounts by item, contentions with a source on every claim, and exhibits; checks forum membership and the forum limit.
Fits payment curves by segment from closed recoveries since 2021 and forecasts expected cash by month and by file.
Signs filings, referrals and date changes. The agents propose; a named person decides.
Ask about any recovery, deadline or the forecast — or tell it what to change. Every answer cites the file, the rule or the payment history behind it.
Why did the Ostrowski statute move to 24 October?
Florida's two-year rule applies. The loss was on Thu 24 Oct 2024, after the 24 Mar 2023 change that cut the negligence period from four years to two. The Tampa diary still carried the old date, 24 Oct 2028. The statute runs Sat 24 Oct 2026, so the last safe business day is Fri 23 Oct. The arbitration filing for $20,945.00 is drafted and waiting for your signature.
What will we collect this quarter?
$1,417,700 expected October to December — $412,600, $538,200 and $466,900 — from how 6,912 closed recoveries paid. Protecting the red files adds $16,230 this quarter and $113,530 in January to March; the largest part is the Pinecrest Foods fire, $46,800 by March if it is referred this week.
Draft tolling requests where the other side has not answered
Drafted. Hudson Gate Mutual (Feld, NY — 3 letters unanswered, statute 26 Oct) gets a tolling request to 30 Apr 2027; the Corrland Appliance and Front Range Indemnity agreements already exist and get signature reminders. Only a signed agreement protects a date, so each asks for it by Fri 16 Oct. They are in Follow-ups for Dario, Keisha and Owen.
13 screens from the working solution, on its sample data. Pick one to see it large.
Thresholds, clocks, approvers and what the agents may do are settings the unit decides.
| Setting | Default | Choose from |
|---|---|---|
| Red — statute or file-by date | 14 days left | Days, set by the unit · amber at 60 |
| Red — reply we owe or cure period | 7 days left | Days, set by the unit · amber at 21 |
| File-by margin | 30 days before the statute | Days, set by the unit |
| Follow-ups after a demand | 30 / 60 / 90 days | Your cadence · final demand 7 days after the 90-day reminder |
| Suit referral when no forum applies | 60 days before the statute | Days, set by the unit |
| Morning check | 06:00 every day | Time of day, set by the unit |
| Approvers | Filing and date change: recovery supervisor | Suit referral: + VP over $100,000 · write-off: + VP over $25,000 · letters: the file's specialist |
| Forecast look-back | Closed recoveries since 2021 | Refit monthly, on the 1st |
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“demo” = seen in the working solution, on its sample recovery unit data · “target” = the design goal, measured in the live solution · “estimated” = our estimate · “typical” = published figures (Genpact, Maximize subrogation opportunities — nearly one-third of identified recovery opportunities are not pursued). Limitation periods quoted are those in the working solution's rule book (Fla. Stat. § 95.11; La. C.C. art. 3493.1). People, companies, carriers and claims named on this page are fictional — characters and sample data in the working solution.
Software that tracks every open recovery from the demand to cash received — its limitation date, filing window, replies owed and follow-ups — so nothing ages out. Subrogation Recovery Management puts every open file on one deadline tracker and adds six agents that re-check the dates, read the correspondence, draft the letters and filings, and forecast the cash.
The Statute checker computes each file's limitation date from the loss state, loss type, loss date and accrual rule, using a rule book of limitation periods by state with their citations. Every morning at 06:00 it compares that date with the one on the file and proposes a change, with the rule, wherever they disagree.
The rule book records the change and the date it applies from — Florida's two-year negligence period for causes of action after 24 March 2023, Louisiana's two-year delictual period for acts after 1 July 2024. The Statute checker re-runs every open file, and the supervisor confirms each date that changes.
No. The agents draft; people decide. Every letter is approved by the file's specialist, every filing and suit referral is signed by the recovery supervisor, and sending a letter without approval is locked off. Agents never accept an offer or change a reserve.
Yes. The Arbitration preparer builds the filing — parties, claim numbers, amounts by item, contentions with a source on each, and the exhibits — and checks that the other carrier is a forum member and the claim is within the forum limit. When no forum applies, the file goes to counsel for suit, 60 days before the statute by default.
The Recovery forecaster fits payment curves by segment — for example, auto with a forum-member carrier, or an uninsured individual on a payment plan — from closed recoveries since 2021, and estimates the amount and month each open file pays. Files with an unprotected red deadline count only in the scenario where they are protected.
Yes. The red and amber thresholds, the file-by margin, the follow-up cadence, when a suit referral is raised, the time of the morning check, the approvers by amount and the forecast look-back are all settings.
The Agentic Solution Engine builds and deploys it from your requirements and documents — your recovery diaries, letter templates, rule book and a sample of open and closed files — and it goes live once every quality gate has passed. We will walk you through it on your own recoveries first.
Referrals in days, not weeks, after first notice, each with its evidence.
1-min demoDocument Fraud DetectionEvery claim document over a set amount tested for edits before it is paid.
1-min demoFraud Network AnalysisOrganized rings seen across claims, not missed one claim at a time.
1-min demoWe’ll run Subrogation Recovery Management on a sample of your own open recovery files and diary.