Auto subrogation support
Review collision information, vehicle damage records, payments and party details to assess the proposed recovery file.
Explore this serviceFor Insurers
A focused recovery strategy for subrogation claims.
Support for insurer claims and recovery teams assessing auto and property subrogation files, from evidence review through resolution.
Ontario Alberta British Columbia
Support for your industry
Bring liability, damages and recovery prospects into focus.
A paid insurance claim raises a new set of recovery questions. The loss chronology, responsible parties, payment records and supporting evidence need to be considered together before a claim is advanced.
We work with claims and recovery teams to organize those records and develop a proportionate subrogation approach. File review, pre-litigation discussions, settlement and eligible court proceedings are considered within the agreed scope and budget.
Property loss recovery
Bring reports, photographs, invoices, contracts and payment records together to assess a property subrogation matter.
Explore this serviceCourt and settlement support
Develop a supported claim position and consider settlement or eligible proceedings where the evidence and recovery prospects support further work.
Explore this serviceThe province, agreement, parties and type of claim guide the available process. We review these with your team before recommending a course of action.
Schedule a consultation
Let’s discuss your subrogation files.
Share the types of losses and recovery support your claims team is looking for.
Helpful for our first conversation
- Loss chronology, party details and adjuster notes
- Photographs, reports and relevant witness information
- Repair invoices, payments and a recovery breakdown
- Relevant contracts, policy records and correspondence
A brief overview is enough to start. We’ll discuss how to provide the supporting records.
Thank you
Consultation request received.
Our team will review your request and follow up to arrange a consultation.
Illustrative scenarios
The kinds of matters
we can discuss.
These examples show the issues a first conversation may cover. For actual file histories and outcomes, see the published case studies below.
An auto loss is referred for recovery
Illustrative scenario: an insurer pays a vehicle damage claim and refers it for subrogation review. Collision records, photographs, repair invoices and payment information help establish the proposed recovery position.
A property loss involves several parties
Illustrative scenario: a paid water-damage claim involves a contractor and other potential parties. Reports, contracts, photographs and the loss chronology help identify the issues that require further review.
The recovery knowledge centre
Information for your
next recovery decision.
Watch the issues explained
3:25Video · Michelle Haigh
Small Claims Court Limits in Ontario, Alberta and BC
Compare the monetary limits in Ontario, Alberta and British Columbia and learn how court selection affects recovery strategy.
Watch video
2:51Video · Michelle Haigh
RSLA & TSSEA Explained: Protecting PPSA Lienholders
Learn how Ontario's RSLA and TSSEA affect PPSA lienholders, disputed charges and asset recovery.
Watch videoRead the practical perspective
Article · Subrogation
Exciting News for Insurers: What the New $50K Small Claims Limit Means for Subrogation
Ontario's $50,000 Small Claims Court limit gives insurers a reason to reassess eligible subrogation files. Review liability, evidence, deadlines and recovery economics.
Read article
Article · Subrogation
From +40°C to -40°C — and somehow, people still manage to cause a flood
Frozen pipes, flooded condos, and costly claims - every winter we see it all. Learn how our team helps insurers recover damages in Small Claims Court when open windows turn units into iceboxes.
Read article
Article · Subrogation
The Great Paint Fiasco: A Mostly True Tale of Subrogation, Spilled Secrets, and Small Claims Court
A mostly-true subrogation story about a paint job gone wrong, and how Small Claims Court delivers fast, quiet, cost-effective recovery for insurers in fact-heavy property-damage files.
Read articleFrom published files
Relevant recovery
experience.
Explore the facts, decisions and outcomes of these published files, with the connection to your industry explained for each.
An insurer obtained a paid settlement and signed release in a condominium water-damage claim against a plumbing contractor.
Case Study · Insurance Subrogation
Settling an Alberta Condominium Water-Damage Claim Against a Plumbing Contractor
Water damage to multiple condominium units led to a claim against a plumbing and heating contractor, followed by settlement payment, a signed release and withdrawal before trial.
AlbertaCondominiumsWater DamageContractor Liability
Read case study Bank tracing and garnishment produced funds against one of two collision judgment debtors.
Case Study · Insurance Subrogation
Recovering Funds by Garnishing One of Two Judgment Debtors
Bank tracing identified an enforcement opportunity against one of two collision judgment debtors. Garnishment proceeded and funds were recovered.
Small ClaimsBank GarnishmentSkip TracingMultiple Debtors
Read case study Questions from your industry
Before you refer
a matter.
Start with the questions that matter to your team, then speak with us about your specific circumstances.
Discuss Your ClaimsCan you support auto and property subrogation files?
Yes. Our subrogation service reviews both auto and property recovery matters. Provide a brief loss overview, province, amount sought and any key dates so the team can identify the evidence needed and assess the fit.
What makes a subrogation referral ready for review?
An organized loss chronology, party information, supporting reports, photographs, invoices and payment records provide a useful starting point. Explain any known liability or damages dispute and include existing demands or court materials.
Will every referred claim proceed to court?
No. The evidence, recovery prospects, disputed issues and cost of further steps all matter. Settlement discussions or further information gathering may be appropriate before a decision is made about proceedings.
Can our claims team establish an ongoing referral process?
We can discuss file types, volumes, provincial needs, budgets and reporting expectations with your team. A consistent referral process helps organize the work while allowing each claim to be assessed on its own evidence.
Put the next step in perspective
Let’s discuss your subrogation files.
Share the types of losses and recovery support your claims team is looking for.