SUBROGATION INVESTIGATIONS 

Subrogation is used to assess third party responsibility for an insurance claim.
EPIS investigators are skilled in gathering information, which can help determine the culpability of a third party.

Due to the subjective nature of these cases, we will work with the Claims Examiner and/or with legal counsel to determine the objectives of the investigation.

Types of subrogation

Although the classes of subrogation rights are not fixed, types of subrogation are normally divided into the following categories:

• Indemnity insurer's subrogation rights
• Surety's subrogation rights
• Subrogation rights of business creditors
• Lender's subrogation rights
• Banker's subrogation rights

Although the various fields have the same conceptual underpinnings, there are subtle distinctions between them in relation to the application of the law of subrogation.