Insurance Subrogation Recovery Support
After an insurer pays a covered loss, recovery from a responsible third party may still be outstanding. Capital Credit Recovery provides collection support for documented subrogation accounts and other recovery matters where a creditor needs organized communication and follow-up.
Capital Credit Recovery is based in Owen Sound, Ontario and provides collection services in the Canadian provinces except Quebec. Account and jurisdiction requirements are reviewed before placement.
Recovery Matters We Can Discuss
- Uninsured motorist recovery files
- Motor vehicle property damage claims
- Property loss and third-party liability recovery
- Commercial losses and other documented subrogated amounts
- Individual claims or groups of recovery accounts
Each file is assessed on its own documentation, account history, responsible-party information, dispute status, and applicable requirements.
When Claims Teams Consider Collection Support
Insurers and claims teams may consider outside collection support when liability and the amount being pursued have been documented, ordinary recovery requests have not resolved the account, or internal staff need a structured handoff for ongoing follow-up.
The appropriate next step depends on the account and jurisdiction. Where a matter requires legal advice or court proceedings, the insurer should work with an appropriately qualified legal professional.
Information to Prepare
- Claim number and date of loss
- Responsible party's legal name and available contact information
- Amount being recovered and supporting invoices or loss documentation
- Liability information and relevant insurance details
- Previous correspondence, payment history, and known disputes
- Court documents or judgments, where applicable
Use the public form for a brief service enquiry only. Do not include unnecessary personal information or a complete claim file. The team can provide instructions for additional records.
What the Recovery Process Generally Looks Like
- Review the recovery file and supporting documentation.
- Confirm the creditor contact and the account information available for review.
- Coordinate appropriate collection communication and document material responses.
- Discuss payment proposals or arrangements where authorized.
- Provide status information and identify practical next steps for the client.
Professional Communication With Responsible Parties
Subrogation files can involve questions about liability, supporting documents, insurance coverage, or the amount claimed. Clear records and professional communication help the client understand the response and decide how to proceed.
Collection activity is handled according to the requirements applicable to the account and jurisdiction. Collection support does not replace legal advice about liability, limitation periods, court procedure, or enforcement.
Frequently Asked Questions
Can you review one insurance recovery file?
Yes. An individual account can be discussed before a larger group of files is considered.
Can you review a portfolio of subrogation accounts?
Yes. Provide a general description of the accounts and available documentation so the portfolio can be assessed.
Do you provide legal advice about subrogation?
No. Legal questions about liability, court proceedings, limitation periods, or enforcement should be directed to a qualified legal professional.
Can an initial discussion happen remotely?
Initial service discussions can be coordinated by phone or email. Instructions for securely providing additional records can be discussed during intake.
Which provinces do you serve?
Capital Credit Recovery provides collection services in the Canadian provinces except Quebec. Account and jurisdiction requirements should still be confirmed before placement.
Related Services
Discuss an Insurance Recovery File
Call 1-866-281-3872 or send a service enquiry.
Compliance
Collection practices depend on the account and jurisdiction. Review the Ontario guide for collection agencies and prohibited practices and conduct.