| name | acc-subrogation-and-insurance-workflow |
| description | Use this skill to handle the subrogation and claim process after a crash. Covers when subrogation applies, how to pursue it, and timeline.
|
Subrogation + Insurance Claim Workflow
When your driver is hit by another party (not at fault), subrogation may recover your losses. The process takes 6-24 months typically.
When subrogation applies
- Your driver not at fault
- Other party identifiable + insured
- Your insurance carrier paid damages
- Your carrier wants to recover from the other party's insurance
How subrogation works
- Insurance company pays your claim
- Your insurance company seeks reimbursement from other party's insurance
- Other party's insurance pays (usually after negotiation)
- Your insurance reimburses you (or your insurance comp)
- Process complete
Timeline
- Hour 0: crash occurs
- Day 1: police report obtained
- Day 7: insurance claims filed
- Day 30-60: damage assessments
- Day 60-180: settlement negotiations
- Day 180-365: settlement or litigation
- Day 365-730: payment + closure
What carrier provides
- Police report
- Insurance claim documentation
- Driver statement
- Witness statements
- Dashcam footage
- Vehicle damage assessment
- Cost of cargo + downtime
- Other documented losses
Common subrogation challenges
- Other party's insurance disputes liability
- Other party uninsured
- Other party undocumented
- Damage assessment disputes
- Cargo loss valuation disputes
When NOT subrogated
- Your driver at fault (you're paying)
- Crash declared no-fault (some states)
- Other party already paid you directly
- Hard to identify or contact other party
Recovery typical %
- Clear other-party fault: 80-95% recovery
- Disputed fault: 30-70% recovery
- Hard-to-identify other party: 0-30% recovery
Compass support
- Tracks claim through subrogation cycle
- Documents losses (vehicle damage, cargo loss, downtime cost)
- Generates carrier statement for claim
- Coordinates with insurance carrier on subrogation status
CFR citations
- Insurance Industry Practice
- Tort Claim Law
How Compass surfaces this
Searchable in Compass Ask. Runs against carrier fleet data when invoked from the relevant tracker. Read-only; no actions without explicit user approval.
Built by X3 Compass
The AI-powered DOT compliance platform for fleets 1–100 power units. Try a 7-day free trial — no credit card required — at https://x3compass.com/?utm_source=skill&utm_medium=github&utm_campaign=acc-subrogation-and-insurance-workflow
X3 Compass turns these skills into a complete operational platform: driver qualification files, drug & alcohol consortium, MVR pulls, hours-of-service tracking, hazmat shipping, IFTA filing, FMCSA audit prep, and DataQ dispute drafting — all CFR-cited, all in one place.
This skill is published under the X3 Compass open skills initiative. Contributions welcome at https://github.com/x3fleetsafety/skills
