While many companies believe that they find most subrogation opportunities, the real question is not if they find these opportunities, but when. Adjusters are trained to look for subrogation and refer any opportunities to specialists. However, there are challenges with this method, including heavy workloads, high turnover and a system that relies on the availability and knowledge of individuals. Unlike most of the competition that uses software to identify subrogation potential, Encore India uses trained professionals to review files and identify subrogation potential or insurance fraud. Human analysis and discovery cannot be replaced by using analytical tools such as statistical modeling and fuzzy matching of data by using subrogation potential discovery software.

ACCIDENT RECONSTRUCTION

We provide you with a comprehensive and detailed reconstruction of the accident. This includes introductions, summaries, conclusions, exhibits, photos, medical review, medical illustration of injuries, medical records and notes, physicians' notes, police reports, photos of the damage, recorded statements, interviews and scaled drawings. The Scene Diagram is drafted out with the description of the accident with the further support from ‘Google Earth’ for the visual representation of the exact location of the accident.

INJURY RECONSTRUCTION

In our Injury Reconstruction you receive a comprehensive and detailed report. This report will include introductions, summaries, conclusions, exhibits, appropriate photos of where the injury took place, medical review, medical illustration of the injuries, illustrations of the medical procedures, recorded statements, interviews and scaled drawing.

MEDICAL REVIEWS

Our Medical Reviews are professionally prepared and presented. Our Medical Review teams take the complicated language of the medical profession and make it understandable for insurance companies, courts, arbitrators and mediators. We incorporate medical illustrations and photos of the injury and of the medical procedures. These medical reports explain in detail what happened to cause the injury, what the injury consisted of, what is currently happening with the injury, the medical procedures for the injury and the future problems with the injury. We also delve into the considerations of pre-existing conditions, aggravation of pre-existing conditions, and activation of pre-existing conditions.

PROPERTY AUDITS

With the automation of property estimates the need for an auditor to check the property estimate has been greatly diminished. The various other aspects of the property claim file should still be audited. Was there coverage for the loss? Was the insured contacted timely and was there on-going contact with the insured throughout the course of the file? Was the property inspected timely? Are the reserves accurate? Was subrogation considered? Was the claim legitimate or did it have the red flags of a possible fraudulent claim? Is the adjuster reporting the file timely? Was there proper supervision? Was the file documented completely with file progress notes outlining what had been done and what need to be done? A property audit can answer all these questions about the claim handling quality of the property file.

Companies looking to increase net income can turn to Encore India's File Review Team to uncover overlooked or hidden subrogation potential or insurance fraud and retrieve these from closed or open files. Encore India has built the ability to quickly identify these lost opportunity claims and return them to the insurance companies, therefore increasing the insurance company's bottom line.