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Small Claims Court — Ontario

Claims up to $50,000

Small Claims Court — Alberta

Claims up to $100,000

Small Claims Court — British Columbia

Claims up to $35,000

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Insurance Subrogation

Recovery & subrogation matters

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For insurers & recovery teams

Strategic Insurance Subrogation

We manage auto and property subrogation claims from pre-litigation recovery through settlement or court proceedings, with clear reporting, efficient file handling, and focused advocacy.

Initiate RecoveryExplore our approach

Ontario · Alberta · British Columbia

Michelle Haigh, founder of Precision Paralegal Services
Watch Michelle · 3:25Choosing the right court for recovery

Michelle Haigh · Founder & President

Built around your claims team

A clear recovery strategy for each insured loss.

A paid claim is the beginning of a different question: whether recovery from a responsible party is supported by the evidence and worth pursuing.

We work with your team to bring liability, damages and recovery prospects into focus. From a single referral to an ongoing portfolio, the objective is a proportionate next step backed by organized evidence and a clear budget.

01

Auto claims

Reviewing collision evidence, repair records, payment details and the identity of the responsible parties to assess the recovery file.

02

Property claims

Organizing reports, photographs, invoices and contracts in water-damage, contractor and other property-loss matters.

03

Claims & recovery teams

Supporting individual referrals and ongoing portfolios with clear instructions, file budgets and practical reporting.

Explore our court services in Ontario, Alberta and British Columbia for provincial guidance.

The Subrogation Framework

A practical, end-to-end approach to managing auto and property subrogation claims in Ontario, Alberta, and British Columbia.

File Review

We review the evidence, damages, parties, limitation period, and recovery prospects to determine whether the matter is ready to proceed.

  • Liability and Damages Review
  • Limitation Date Confirmation

Pre-Litigation Recovery

We prepare and send a focused pre-litigation package, communicate with the responsible parties or insurers, and attempt to resolve the claim without court proceedings.

  • Demand and Supporting Documents
  • Settlement Negotiation

Small Claims Court Representation

Where settlement is not achieved, we prepare and advance the claim through the applicable Small Claims Court process.

  • Pleadings and Court Materials
  • Settlement Conferences, Motions, and Trial

Resolution and Recovery

We negotiate and document settlements, obtain judgment where required, and report on the outcome of the file.

  • Settlement Documentation
  • Judgment and Recovery Reporting

Our Impact

Proven experience managing high-volume insurance subrogation claims, with a strong focus on efficient resolution and avoiding unnecessary trial expense.

2500+ Insurance Subrogation Files Handled
<5% Matters Gone to Trial

Experienced Subrogation Representation

We provide practical, efficient representation for insurers pursuing auto and property subrogation claims across Ontario, Alberta, and British Columbia.

End-to-End File Management

From initial review and pre-litigation recovery through settlement or court proceedings, we manage each file with clear processes and consistent follow-up.

Clear Communication

Our clients receive practical reporting, timely updates, and direct communication throughout the life of the claim.

Resolution Focused

We work to resolve matters efficiently, control litigation costs, and pursue recovery without taking unnecessary steps.

Before you refer a file

Build the recovery file from the evidence.

A complete referral helps us assess the claim, identify gaps and avoid unnecessary follow-up.

Discuss a file with our team →

What to gather

  • Loss chronology, party details and adjuster notes
  • Photographs, witness information and expert or inspection reports
  • Repair invoices, payment records and a breakdown of the recovery sought
  • Relevant policy documents, contracts, correspondence and court materials

Cost clarity from the outset.

Block fees and approved file budgets help your team weigh the cost of action against the prospects of recovery.

See our fee approach →

The Insurance Subrogation knowledge hub

Better information.
Better recovery decisions.

Explore court strategy, practical recovery decisions and perspectives on insurance claims.

Watch Michelle explain the issues

Read the insurer’s perspective

Browse all Insurance Subrogation resources →

From Closed Files

See how the process works in practice.

Explore the circumstances, approach and outcome of representative matters.

Browse all case studies →

Questions from claims teams

Before you refer
a file.

Practical starting points for your subrogation team.

Explore our full FAQ library →
Who is this service for?

We work with insurers and their claims and recovery teams pursuing auto and property subrogation matters. The initial review considers the evidence, the right to pursue recovery, the parties and the appropriate forum.

What should accompany a new referral?

Send the loss chronology, adjuster notes, available evidence, repair invoices and payment records, along with relevant policy documents and correspondence. Identify any known deadlines or existing proceedings so they can be reviewed at intake.

Does every referred claim go to court?

No. Our framework begins with file review and pre-litigation recovery. A supported demand and negotiation may resolve the matter. If they do not, we assess the evidence, costs and recovery prospects before advancing litigation.

Can you manage claims across Ontario, Alberta and British Columbia?

We provide subrogation services across these provinces, subject to the matter, forum and applicable representation requirements. The location of the loss and parties, claim amount and issues in dispute help determine the appropriate route.

What happens after a settlement or judgment?

We document the outcome and report on the file. Where payment remains outstanding, further recovery steps may need to be considered. A judgment does not guarantee collection; the available options and economics of enforcement require their own review.

How are fees and reporting handled?

Block fees and approved file budgets help claims teams evaluate spending against recovery prospects. We provide practical updates as the file progresses and seek approval before exceeding the agreed budget.

Let’s review the next step

Put your recovery file in perspective.

Tell us about the loss, the province involved and the recovery you want to pursue. We’ll help assess the fit and discuss a practical way forward.

Initiate Recovery →

Legal Disclaimer

Copyright © 2026 Precision Paralegal Services Professional Corporation (ON) & Precision Paralegal Services Inc. (AB & BC). All rights reserved.

The information on this site is not legal advice, and you should not rely upon it as such. If you have a legal question, you should always consult with a paralegal or lawyer. Even if you use this site or consult with us, remember that we are not retained to represent you and no paralegal-agent-client relationship exists unless and until you receive written confirmation from us.

Please note that the items discussed during a consultation will remain confidential and will not be discussed with unauthorized persons, unless required by the Law Society of Ontario or other governing body. A consultation, either in person or by telephone, does not create a paralegal-agent-client relationship with the Paralegal or Precision Paralegal Services. Precision Paralegal Services does not make any obligation to handle the matter until such time that a written agreement is duly signed by both the Paralegal and the Client.

You should note that the security of e-mail is uncertain. By sending confidential e-mail messages or by using our online contact forms (which are not encrypted) you accept the risks of such uncertainty and possible lack of confidentiality over the Internet.

BC Innovation Sandbox

Precision Paralegal Services team member Michelle Haigh has been accepted into the Law Society of British Columbia Innovation Sandbox. Our services to you are not provided by a lawyer regulated by the Law Society of British Columbia and as a result:

  • (a) We could be required to disclose to third parties your communication with us and any documents you provide in relation to our advice and assistance, as such communications will not be subject to solicitor-client privilege.
  • (b) We carry professional liability insurance but are not required to do so.
  • (c) There is no statutory complaint process in relation to the services that we provide, but we have an internal complaint process.
  • (d) The Law Society of British Columbia has not evaluated or verified our competence, character, and/or fitness to provide the services.

For more information about the Law Society's innovation sandbox visit lawsociety.bc.ca.

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