Subrogation Success Stories: Turning Claim Closures into Recoveries

In most claims processes, payment marks the end of the story.At Veritas Claims, it’s just the beginning of the recovery.

Every completed claim represents not only a resolution but a potential return. Through precise documentation, expert negotiation, and an end-to-end understanding of each file, Veritas turns what most TPAs treat as “done” into mitigation of claims costs for the client.

This is where performance meets cost.

What subrogation really means

Subrogation is often misunderstood as a legal or afterthought process; something that happens months later, handled by a third party.

In reality, it’s the strategic act of reclaiming costs from the responsible party after payment has been made.

But successful subrogation services depend on one thing: data integrity.
If the original claim was managed poorly (missing documents, unclear liability, or delayed reporting) recovery becomes nearly impossible.

That’s why Veritas builds subrogation into the file from day one, not after the fact.

The hidden cost of ignored recovery

Industry-wide, millions are left on the table each year because subrogation isn’t pursued aggressively or efficiently.

Here’s why that happens:

• Files close before liability is established.

• Invoices lack documentation to support recovery claims.

• No one “owns” subrogation,  it’s everyone’s job and therefore no one’s.

• Too much time passes between payout and pursuit, reducing leverage.

The result? Recoverable losses simply disappear into “operational cost.”

At Veritas, we treat that as unacceptable.

How Veritas integrates recovery into the workflow

Our approach to subrogation isn’t reactive, it’s engineered into every phase of the claim.

1. Early Identification

During intake, we flag every file with subrogation potential. That includes:

• Multi-party accidents

• Cargo or equipment damage caused by others

• Third-party liability exposures

• Product or workmanship liability

2. Identify subrogation opportunities up front

Early identification of subrogation opportunities ensures all necessary support is gathered throughout the life of the claim. This increases the potential for successful subrogation. 

3. Documentation Precision

Each claim is documented thoroughly to stand on it’s own merit. This increases successful subrogation because in subrogation, documentation is your leverage.

4. Dedicated Recovery Team

Our Recovery Team focuses exclusively on reimbursement, identifying subrogation opportunities that others miss. They analyze each file for recovery potential and act fast to collect what’s owed. The result is simple: every claim becomes a chance to return measurable dollars to our clients.

5. Negotiation and Collection

Once liability is established, our team initiates recovery directly with responsible parties using a cooperative approach that gets results without burning relationships.

6. Monthly Reporting and Transparency

Clients receive detailed reporting that shows recoveries won, amounts pursued, and files under review. Subrogation isn’t a mystery, it’s a measurable performance metric.

Why Veritas succeeds where others don’t

Most TPAs handle subrogation as an outsourced function or occasional add-on.
The result is fragmented data, missed timing, and diluted accountability.

Veritas succeeds because our structure is vertically integrated; our internal team handles the entire claim life cycle.

That means:

• No handoffs between vendors.

• No lost context between claim completion and recovery pursuit.

• No delay in initiating action.

We know the file’s history, the negotiation points, and the documentation because we created it.

Real-world recovery example

A national trucking carrier partnered with Veritas to improve their post-claim recovery performance. During an audit of closed claim files, our Recovery Team identified multiple cases where fault had been assigned but subrogation was never pursued. 

By reopening those opportunities, verifying liability, and engaging responsible parties directly, Veritas recovered more than $175,000 in previously lost funds within 90 days.

That’s the power of proactive subrogation — finding value where others stop looking and turning closed files into recovered revenue.

Subrogation in the heavy equipment world

Subrogation in heavy equipment and trucking claims isn’t just about recovering money. It’s about understanding fault, documentation, and timing. 

These claims often involve multiple entities, overlapping policies, and specialized equipment, making recovery far more complex than a standard auto claim.

At Veritas, our Recovery Team takes a forensic approach to every case. We review liability reports, appraisals, and police documentation to pinpoint where responsibility truly lies. 

Once established, we pursue the at-fault party or their insurer directly, armed with the evidence needed to recover funds efficiently and legitimately.

This disciplined process ensures that when Veritas closes a claim, every recoverable dollar has been identified, verified, and pursued. This significantly reduces the cost of each loss for our clients.

Data-driven accountability

Every Veritas subrogation case is tracked through our performance dashboard, where recovery metrics are monitored in real time:

Those numbers aren’t guesses, they’re drawn from verifiable internal performance audits across hundreds of files.

The power of proactive subrogation

When recovery is part of the process, not an afterthought, the financial impact compounds across an entire program:

• Shorter claim durations.

• Reduced total cost of risk.

• A better bottom line for CFOs and risk managers.

It’s not about collecting a few checks after the fact, it’s about changing the economics of every claim.

Recovering the cost of a loss

In claims management, paying a claim doesn’t always mean the work is done. Every claim represents an opportunity to ensure our clients see less costs for each loss while fully indemnifying injured parties.

At Veritas, subrogation is built into our process from the start. By appropriately identifying liability and pursuing subrogation where appropriate, we make sure our clients recover costs owed by others.

Final thoughts

In an industry where speed and accuracy often feel at odds, subrogation is where both come together.

Fast resolution without follow-up leaves money behind.
Precise documentation without pursuit leaves opportunity untapped.

At Veritas Claims, we close the loop.
We recover what others miss.
And we turn every claim from towing to cargo into a complete financial story.

Want to see how much recoverable value your closed claims hold?
We’ll analyze your past 60 days of files and show exactly what could still be recovered.