Tell us about a time when you had to handle a subrogation claim involving a difficult party. How did you handle the situation?

I had a subrogation claim involving a difficult party when I was working as a Subrogation Specialist with XYZ Insurance Company. The claim involved a motor vehicle accident where our insured was rear-ended by another driver. The at-fault party was uncooperative and refused to accept responsibility for the accident. To handle this challenging situation, I used my strong negotiation skills and initiated communication with the at-fault party's insurance company. I provided them with all the necessary evidence, including the police report, photos, and witness statements, to establish liability. After several rounds of negotiation, I was able to persuade the other insurance company to accept liability and reimburse our company for the damages. It was a challenging process, but my perseverance and effective communication skills allowed me to handle the difficult party and successfully resolve the subrogation claim.

As a Senior Subrogation Specialist with XYZ Insurance Company, I encountered a difficult party during a subrogation claim involving a fire loss in a commercial property. The other insurance company denied their insured's liability, complicating the situation. To handle this, I leveraged my excellent investigative skills by thoroughly examining the fire incident report, interviewing witnesses, and consulting with fire investigators. I found crucial evidence that proved the other party's negligence, which I promptly shared with their insurance company. With my strong negotiation skills, I engaged in frequent communication and presented compelling arguments supported by the evidence. Eventually, the other insurance company agreed to accept liability and reimburse our company for the damages. Throughout this process, I utilized subrogation software to carefully document and track the claim's progress, ensuring nothing slipped through the cracks. Additionally, I collaborated with our claims examiners and legal department, sharing updates and seeking their input to develop effective strategies. Furthermore, I provided guidance to junior subrogation specialists, offering my expertise on similar cases and helping them navigate complex situations. This enabled the team to learn from each other's experiences and improve their subrogation skills.

During my time as a Senior Subrogation Specialist at XYZ Insurance Company, I faced a challenging subrogation claim involving a construction site accident. Our insured was injured due to the negligence of a subcontractor, who vigorously disputed their liability. To handle this complex situation, I conducted a thorough investigation, analyzing construction plans, interviewing witnesses, and consulting with safety experts. This enabled me to build a strong case, which I presented in a face-to-face meeting with the subcontractor's insurance company. During the negotiation, I utilized my exceptional negotiation skills to emphasize the strength of our evidence and the potential legal consequences for the subcontractor. As a result, the other insurance company recognized the merit of our claim and agreed to reimburse our company for medical expenses and lost wages. Furthermore, I played a key role in coordinating the legal action by working closely with our company's legal team, providing them with all the necessary documentation and acting as a witness during the arbitration process. Throughout this entire claim, I maintained detailed reports and records using subrogation software, ensuring accurate documentation of all communication and actions taken. Additionally, I actively shared my expertise and insights on handling difficult subrogation claims in team meetings and training sessions, contributing to the professional development and success of my colleagues.