Acc subrogation and insurance workflow

Skill x3fleetsafety/skills/skills/acc-subrogation-and-insurance-workflow

Open-source Agent Skills for DOT / FMCSA compliance. Drop in any AI coding agent (Claude Code, Cursor, Cowork) so it knows trucking regulations like a fleet safety pro.

Install

npx -y skills add x3fleetsafety/skills --skill acc-subrogation-and-insurance-workflow

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Use this skill to handle the subrogation and claim process after a crash. Covers when subrogation applies, how to pursue it, and timeline.

SKILL.md

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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