Compare · vs. Native subrogation rules in core claims systems

Ishqkala vs. Claims System Rules Engines

Rules fire on fields. Most subrogation evidence never makes it into a field.

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Core claims systems let you configure subrogation indicators and business rules: flag a claim when the loss cause is a rear-end collision, when insured fault is coded under 50%, or when an adverse carrier is listed. These rules run inside the adjuster's workflow at no extra cost. They depend on structured fields being complete and correct. Ishqkala reads the narrative and documents those rules cannot see, then writes its score back to the same claim.

Dimension	Ishqkala	Native subrogation rules in core claims systems
Inputs	Notes, attachments, estimates, police and origin reports, recall data	Structured fields: loss cause, fault code, parties, indicators
Where it runs	Alongside your claims system, writing results back	Inside the claims system and adjuster screens
Open claims	Real-Time FNOL Triggers as notes and documents arrive	Fires when fields are saved or updated
Closed claims	Sweeps up to 50,000 closed files in 48 hours	Rules typically evaluate claims as they change
Data quality	Finds liability when fields are blank or miscoded	Only as good as intake coding
Liability reasoning	Fault split estimated, state fault rule applied	Fixed thresholds set in configuration
SOL and notice	State SOL and municipal notice dates per file	Diary dates if configured and maintained
Prioritization	Dollars x win probability x days until SOL	Flag or no flag
Change process	Models and legal content updated by Ishqkala	Configuration changes follow your release cycle
Transparency	Source sentences and rule shown with every score	Deterministic and fully auditable
Cost	Platform fee plus reduced contingency	Included in your license and IT time
System of record	Your claims system stays the system of record	Your claims system is the system of record

What native rules do well

Rules configured in your claims system run where adjusters already work, fire the moment a claim is saved, and cost nothing beyond the license and configuration time you already carry. They are deterministic, so claims IT can explain every flag. For clean cases, such as a rear-end collision coded at FNOL with a police report number and an adverse carrier listed, they work well.

The structured-field ceiling

A rule can only test fields someone filled in. Loss cause and fault are coded early, often on the first call, and rarely revisited by adjusters carrying 100 to 150 active claims. The facts that create recovery arrive later, in a fire marshal's finding, an engineer's report or a plumber's invoice. Over 80% of the opportunities Ishqkala finds come from narrative text like that. Rules written against free-text fields become keyword rules, with the same false positives.

Running both

Keep your native rules as the first line. Ishqkala writes its score, reasoning and a subrogation activity back to the claim through your system's supported integration points, so adjusters see the lead in the screens they already use.

FAQ

Frequently asked questions

No. Ishqkala runs alongside them. Where both flag a claim, Ishqkala adds ranking and SOL dates; where only Ishqkala flags it, the reasoning shows what the rule could not see.

Through the system's supported APIs and event messaging, or a secure SFTP extract for closed-claim sweeps. No core system migration or custom screens are required.

Not to receive leads. Scores and activities appear on the claim. Subrogation staff use the Ishqkala workspace for manifests, demand packages and SOL tracking.

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