Subrogation
The recoveries your TPA writes off.
On most books only a few cents of every recoverable dollar comes back. The rest sits in standstill or gets closed out — chasing small files by hand costs more than they return. Vega works every recoverable file the moment it’s flagged: liability assessed, demand built, carrier pursued. Recovery, handled right.
Humans still handle the negotiation. That’s the part worth a person’s judgment.
Recovered · last 12 months
$2.41M
Files closed to recovery
+ 3,180 more files recovered this period, most under $5,000.
The stakes
Subrogation is owed money carriers write off.
Not found money — receivables the carrier already paid out and has a right to collect. Most files are too small to chase by hand, and recovery starts months too late, so the money leaks by default.
- ~$15B
Left on the table every year
industry-wide estimate, against ~$51.6B recovered
- ~40%
Recoverable files never flagged
liability isn't obvious at FNOL
- $3–4k
Typical collision file
too small to chase by hand, so it isn't
Figures are widely-cited industry estimates, not Vega results.
How it works
From closed file to recovered cash.
The pipeline runs end to end on its own. A person steps in for the one part that needs judgment.
- 01
Analysis & trigger
Vega reads every closing file and flags the ones with third-party liability. Recovery starts on its own, so nothing gets written off by default.
- 02
Demand package
Police report, repair estimate, liability narrative, itemized damages — assembled into a complete, citable demand that's ready to send.
- 03
Outreach
Multi-channel follow-up runs on a cadence no manual team can hold. Carriers get a response, then another, until the file moves. Nothing goes cold.
- 04
Recovery & ROI
Small files finally clear the bar — the cost to pursue them is near zero, so the recovery they return is upside the book wasn't capturing before.
Negotiation stays with people. Between outreach and recovery, an experienced adjuster takes the settlement conversation. Vega does the volume; the judgment call is still yours.
Why Vega
Built to recover what others write off.
We don’t recover money no one else could. We make the small files worth working — the recoveries everyone else writes off — by automating everything except the judgment calls.
Always-on, every party
An agent watches every party on every incident and opens new recovery as the facts develop — a new at-fault party, a co-defendant, a liability shift — not just at intake or when the file closes.
Know where you can recover
Each state's comparative-fault rule is applied automatically — pure, modified 50/51% bar, or contributory — so you pursue only what the law allows and never chase a barred file.
Never miss a deadline
A jurisdiction-aware engine tracks every statute of limitations and arbitration window and flags files before they lapse. Missed deadlines are pure leakage.
Routed to the right resolution
Negotiate first, then mediate or litigate — each file takes the path that actually recovers. We skip intercompany arbitration where binding rulings don't favor commercial trucking.
Pursue the long tail
Automation drives cost-per-file toward zero, so sub-$5k and deductible files finally pencil out — the majority of files, and the majority of the leak.
Salvage & total-loss
Title, lienholder, and salvage-auction handling end to end — plus cargo-salvage mitigation before a totaled load becomes a second loss.
Every line of business
Auto, property, GL, and specialty — we recover across the whole book, not one line. That includes line-specific streams most TPAs ignore, like trucking's MCS-90 reimbursements.
Prove the lift
Recovery rate, cycle time, and leakage measured and shown. Incumbents market detection; we prove the outcome.
A proactive partner, not a faceless system. Vega is an AI-native TPA — we operate the recovery end to end, with humans in the loop on the judgment calls, not a tool we hand over.
Vega AI
An agent that never stops looking.
Recovery isn’t a moment — it’s a moving target. Vega AI watches every party on every incident around the clock and opens new recovery as the facts develop, not just at intake or when a file closes.
Watch every party
Every incident, every party — insured, third parties, carriers, co-defendants — monitored continuously over the life of the file.
Detect a change
A new at-fault party named after FNOL, a liability share that shifts, a co-defendant added to the chain — the agent catches it.
Open the opportunity
It applies the loss state's comparative-fault rule, sizes what's recoverable, and opens a new file — even re-opening ones closed as no-subro.
Route to action
Drafts the demand and routes it to an adjuster's queue for review. Nothing falls through; nothing waits on a manual re-scan.
New at-fault party identified on a Cardinal Logistics incident — second recoverable party, est. $3,150.
2h ago
Dashcam posted — third-party liability moved 75% → 90%. Recoverable revised up automatically.
Today
File closed as no-subro re-opened once the third-party carrier was confirmed.
3d ago
Your number
What are you not recovering?
Recovery rates vary widely by line. Across P&C, the average book recovers about 4.5% of paid losses — yet roughly one in four carriers recover nothing, and the top fifth of carriers clear 20%. Pick your line and see the gap.
Industry avg: 1.1% of paid · NAIC industry average, mostly subrogation
Additional recovery per year
$5K–$950K
From reaching the line average (1.1%) up to best-in-class (20% of paid) — recovery you’re currently writing off.
Recovered today
$50K
At line avg
$55K
Best-in-class
$1M
Rates as % of net claims paid (sample-period average, 1996–2021). Source: NAIC CIPR Journal of Insurance Regulation, 2023 (Bisco & Fier), industry Schedule P — the top fifth of carriers exceed 20% of paid. A 2025 Genpact estimate puts best-in-class near 22%, but that is their own figure, not measured data. Trucking, property, GL and WC have no clean cited per-line rate and use the all-lines average — illustrative. Real figures come from auditing your closed files.
Results
Recovery you can put a number on.
38%
Recovery rate on flagged files
up from a low-20s baseline
21 days
Median detect-to-cash
down from ~70 manual
3,200+
Sub-$5k files pursued
that used to be written off
“You have a team with deep expertise, not a faceless computer system. A proactive partner, not just another claims administrator.”