Surface every dollar in scope
Subrogation is identified on about fourteen percent of eligible files at industry baseline. The real rate is closer to thirty-eight. Owl reads every closed and paying file against tortfeasor signals, third-party coverage, lien rights and statutory recovery, and writes the demand the team sends.
38%
True subro rate
$3.8M
Added recovery per 100K files
64×
Recovery-rights sources checked
Three AI agents on every paying file. Looking for who else should be paying.
Pick a line. See the recovery rights Owl finds: at first payment, not at file close.
Each line has its own recovery levers: tortfeasor BI, employer ERISA, Medicare conditional payments, manufacturer product liability, treaty cessions. Owl indexes them all.
Tortfeasor identified to commercial auto policy at $1M CSL via DMV + state filings cross-reference; not the personal auto disclosed at FNOL. Higher recovery ceiling.
State follows made-whole rule. Insured's estimated total damages exceed paid-to-date plus tortfeasor recoverable; made-whole position will limit recovery to ~$36K of $48K paid.
Yes: pursue against the commercial auto policy at $1M CSL discovered via state filings, not the disclosed personal auto. Recovery target is $36K net of made-whole position. Send demand by certified mail with full medical-spec packet within 14 days; statute of limitations is 22 months out. Cohort recovery rate on this profile is 78% at >80% of demand. Demand letter, made-whole memo and SOL diary attached.
How Owl plugs into the recovery workflow. Inline at first payment, not after close.
First payment posts
Owl reads the file the moment indemnity or medical pays. No referral required, no examiner trigger required.
Recovery-rights walk
Tortfeasor + third-party + product + statutory lien checked against jurisdiction-specific rules.
Score, prioritize, stage
Recovery probability × dollars at stake × statute-of-limitations urgency. Highest-yield files surface first.
Recovery analyst picks up
Loads the file with rights, evidence, made-whole memo and a draft demand. Validates and edits.
Demand, negotiate, settle
Owl drafts demand updates, negotiation memos, settlement worksheets. Analyst runs the negotiation.
Numbers from carriers running Owl in subrogation.
Built for the regulatory shape of subrogation across 50 states.
Lives where your subrogation team lives.
Claims platforms
Guidewire ClaimCenter, Duck Creek, FINEOS, Origami, Majesco
Subro platforms
Mitchell Subro, Rawlings, Optum Subro, in-house
Industry data
ISO ClaimSearch, LexisNexis, MSPRC, CMS, DMV registries
Court records
PACER, state e-filing, bar registries, CPSC
Lien services
Health-claims lien services, Medicare COBC, ERISA admin
Identity & SSO
Okta, Azure AD, PingFederate, SAML, SCIM
Bring us your closed files from last year. We’ll find the recovery dollars you left.
Two-week retro pilot. We re-read your last 100K closed files against the recovery-rights graph, surface what was missed, and stack-rank by net recovery probability. You decide what to re-open.