{"id":1544,"date":"2022-09-06T07:00:40","date_gmt":"2022-09-06T07:00:40","guid":{"rendered":"https:\/\/apptechllc.com\/?p=1544"},"modified":"2024-09-23T13:07:09","modified_gmt":"2024-09-23T13:07:09","slug":"subrogation-cutting-through-the-weeds","status":"publish","type":"post","link":"https:\/\/apptechllc.com\/subrogation-cutting-through-the-weeds\/","title":{"rendered":"Subrogation: Cutting Through the Weeds"},"content":{"rendered":"<p>You can tell you\u2019re really deep in the claims weeds when you start thinking about subrogation. Since we are deep in the claims weeds, we have to think about it.<\/p>\n<p>To put it simply, just in case you\u2019re not deep in the claims weeds, <em>subrogation<\/em> refers to an insurance company\u2019s seeking\u00a0reimbursement for the costs of a claim from the party \u2014 or the insurance company of the party \u2014 responsible for damages that precipitated the claim. If responsibility is established and documented, subrogation can begin at any point in the process of settling a claim.<\/p>\n<p>Here are some examples from a few different industries:<\/p>\n<ul>\n<li><strong>Property\/Casualty.<\/strong> A cement truck careens around a corner at 90 miles an hour, on two wheels, and t-bones the car you\u2019re driving. By some miracle, you\u2019re not injured. But your car has to be removed from the scene with a dust pan and a squeegee. The driver of the cement truck is determined to be at fault by virtue of the facts that (A) he was exceeding the posted speed limit by 60 miles an hour and (B) driving a cement mixer on two wheels is permissible only in movie stunts and monster-truck shows. The cement truck driver\u2019s insurance should pay for the cost of finding and replacing your car. But that process is held up because the cement truck driver\u2019s insurance company is also contending with the fact that the cement truck driver filed a workers comp claim, contending he had trouble controlling the vehicle because his vision was damaged from falling into the cement mixer. Under those circumstances, your insurance company would pay to find and replace your vehicle. Then it would seek reimbursement from the cement truck driver\u2019s insurance company for the cost of your claim, including your deductible, the dustpan, and the squeegee.<\/li>\n<li><strong>Construction.<\/strong>\u00a0A plumber is tricked by an electrician into biting a live wire. The plumber suffers burns to his face and ends up with a terrible perm. While the perm will grow out, he files an injury claim with his company\u2019s insurer for the burns to his face. The electrician is determined to be at fault for professional negligence and for playing a practical joke in an inappropriate setting. The plumber&#8217;s insurance company uses subrogation to seek reimbursement from the electrician\u2019s insurance company for the plumber\u2019s injury, for playing a practical joke in an inappropriate setting, and for shaving the plumber\u2019s head since he opted not to let the perm grow out.<\/li>\n<li><strong>Hospitality:<\/strong> The chef in a restaurant bets a waiter he can\u2019t jump over a patron\u2019s table without disturbing anything. The waiter takes him up on it. Since the waiter had pounded 12 shots of Jose Cuervo at the restaurant\u2019s bar before his shift, he miscalculates his take off, fails to get the necessary speed and elevation, and plants his lead landing foot in the patron\u2019s clam chowder. The patron suffers burns from the hot chowder and files a liability claim against the restaurant. He then goes to the emergency room (ER) to be treated for his burns. His ER visit is covered by his medical insurance. Since the waiter was determined to be at fault for improper execution and being over the legal blood-alcohol limit, the restaurant\u2019s liability insurance is responsible for paying the patron\u2019s liability claim and for comping him another bowl of chowder. And since the patron filed a liability claim against the restaurant, his medical insurer subrogates the cost of the ER visit to the restaurant\u2019s insurer.<\/li>\n<\/ul>\n<h2><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Cloud Claims Makes Claim Management Simple&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:513,&quot;3&quot;:{&quot;1&quot;:0},&quot;12&quot;:0}\">Cloud Claims Makes Claim Management Simple<\/span><\/h2>\n<p>Chances are your claims won\u2019t be anywhere near as complicated \u2014 or absurd \u2014 as the ones above. Nevertheless, we built subrogation capabilities into Cloud Claims to make sure you\u2019d be able to cut through the weeds and handle anything that comes your way.<\/p>\n<p>You and your claimants will be happy we did.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You can tell you\u2019re really deep in the claims weeds when you start thinking about subrogation. Since we are deep in the claims weeds, we have to think about it. To put it simply, just in case you\u2019re not deep in the claims weeds, subrogation refers to an insurance company\u2019s seeking\u00a0reimbursement for the costs of [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":1553,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1544","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Subrogation: Cutting Through the Weeds - APP Tech<\/title>\n<meta name=\"description\" content=\"Explore the complexities of subrogation with our comprehensive guide. 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