Subrogation

Insurance companies do not ordinarily think of themselves as plaintiffs.  A carrier’s subrogation rights can exist under common law, equity, contract, or statute. Regardless of its origin, a carrier’s right of subrogation and its ability to recover a loss, large or small, is a fundamental right of the insurance industry.  A successful subrogation program can often mean the difference between profit and loss.

Ms. Lynn believes immediate investigation, especially in catastrophic losses, is essential to an effective subrogation program.  She will initiate an investigation of subrogation potential whenever there is a serious injury or catastrophic property loss, even in instances in which it appears there is no viable source of recovery.  It is paramount that this investigation is initiated while memories are fresh, witnesses are available, and the evidence has not been tampered with or destroyed.  As Terry typically works on a contingency basis for subrogation actions, her early involvement does not cost her clients any additional expense.  The fee arrangement also provides an incentive for her to quickly evaluate subrogation potential on the file, and to only prosecute those cases which have merit.