The Adventure Of Subrogation Investigation

“Mr. Sherlock Holmes – You could not possibly have come at a better time!” the claims adjuster exclaimed. “This vehicle accident is a typical ‘he said, she said’ situation. Both drivers claim to have had the green light and there appears to be no way to prove which driver was at fault – it is an unsolvable case!” Mr. Holmes scoffed raising just an eyebrow, “Unsolvable?”

One of the appealing aspects of working in the subrogation industry is that cases come in all sorts of shapes and sizes.

Some involve clear liability, others involve a very complicated piece of machinery, but no case sticks out more than those darned, “he said, she said” cases.

You begin handling these files just like any other: gather the necessary documents and call your insured to get their statement. Your insured is adamant that it was the other car who ran the red light.

You send your demand letter and quickly receive a denial letter outlining that their driver has stated that YOUR driver was the one who ran the red light. You check the police report which just never seems to be helpful enough.