Insurance subrogation recovery

Insurers leave billions unrecovered because adjusters can’t identify and chase every subrogation opportunity — recovery from the at-fault third party after a claim is paid.

Vitals (seed — unverified): market: billions in unrecovered subrogation · high claim volume · buyer: carriers / TPAs · model: contingency on recovery · whitespace: ★★☆

Research status: queued

Seed thesis only — not yet researched to evidence standard. Every claim below is a SPECULATIVE starting hypothesis to be verified, sharpened, or killed during the deep dive.

Seed thesis

• The mess: Liability reasoning over messy claim documents; identifying recoverable files at scale; demand assembly; pursuit and tracking.
• Why now: Pure money recovery — ROI is the pitch; agents can now do the document forensics and liability reasoning at a scale humans can’t.
• The money: Contingency on recovered dollars; carriers know the leakage exists but lack tooling.
• Whitespace: Thin competition. Document-forensics + liability reasoning at scale is underserved.