Subrogation Study 2025: Why 91% of Insurers Fail to Recover What They're Owed

Berlin, 3.4.2025 - Subrogation is one of the most effective levers insurers have to recover losses. Yet, according to the newly released Subrogation Study 2025, based on a comprehensive industry survey, most insurers are failing to capitalize on this potential. A striking 91% of companies pursue fewer than 30% of the subrogation cases they identify.

The reasons? A mix of legal uncertainty, lack of documentation, capacity constraints, and a surprisingly low level of automation. The consequences are significant: industry estimates suggest billions of euros in recoverable funds remain untouched every year.

Key Findings at a Glance:

91% of insurers pursue less than 30% of potential subrogation cases
49% abandon claims due to low recovery-to-effort ratios
33% cite limited resources and lack of capacity
Only 18% leverage AI-powered capabilities for detection
74% rate their subrogation process as inefficient or highly improvable

The Missed Opportunity in Closed Claims

One of the study's key revelations is the untapped potential in closed claim portfolios.
44% of insurers see historical file reviews as a strategic opportunity - but lack the tools and automation to unlock them at scale.

With the right technology, retrospective AI analysis can reveal years' worth of overlooked recoveries, delivering measurable value with minimal operational disruption.

Subrogation Under Pressure: Why Automation Is Now Essential

As loss costs rise and skilled personnel become harder to find, insurers face growing pressure to act on every viable subrogation case - even those previously considered "too small."
AI-powered solutions are proving to be a game-changer:

Real-time and retrospective case detection across all lines of business
Automated proof points to support legal action
Minimal integration required via simple API or data export

Strategic Investment Signals a Shift

Despite current inefficiencies, the study shows that insurers are making clear moves toward modernization:

50% are investing in upskilling internal teams
45% are using data analytics to improve recovery strategies
38% are automating key subrogation workflows
34% are improving the quality of claims data for better detection

The 15-pages report concludes that insurers who embrace a hybrid model of human expertise, technology, and streamlined processes will outperform peers in both efficiency and recovery rates.

About the Study

The Subrogation Study 2025 was conducted by omni:us, the leading provider in AI-powered claim automation.
It surveyed over 100 professionals across claims, legal, subrogation, and technology departments at European insurers. The study offers one of the most comprehensive looks yet into the state of subrogation, the technology gap, and future investment priorities.

Download the full report at:
https://omnius.com/insights/subrogation/

Media contact:
press@omnius.com

omni:us - Qidenus Group GmbH
Perleberger Strasse 42c
10559 Berlin
press@omnius.com

omni:us is market leader in AI-powered insurance end-2-end claims automation & subrogation detection. Trusted by leading global insurers, we are redefining the future of claims - delivering intelligent, scalable technology that transforms how insurers operate and recover.

This release was published on openPR.