Compare · vs. Contingency-fee subrogation vendors

Ishqkala vs. Outsourced Recovery Vendors

Vendors pursue the files you send. Ishqkala finds the files worth sending.

Start free trial Request free closed-claim audit

Outsourced recovery vendors and collection-style recovery firms bring people: recovery specialists, demand writers and, through their attorneys, litigation capacity in many states. They work on contingency and pursue the files you refer. Ishqkala is software. It finds and scores unpursued opportunities in your open and closed files and packages them for your in-house team or the counsel and vendors you choose. Many customers use both.

Dimension	Ishqkala	Contingency-fee subrogation vendors
What it is	Detection, scoring and packaging software	A service firm with recovery staff and attorneys
Adverse party contact	Your team, counsel or vendor; never Ishqkala	Vendor staff, under your authority
Files worked	Every open and closed file is screened	Files your adjusters refer or you place in bulk
Finding missed files	Reads notes and attachments for unflagged liability	Depends on referrals; some vendors review a defined segment
Litigation	Packages evidence for counsel; files no suits	Strong: attorneys file and try cases
Uninsured adverse parties	Flagged so you decide placement	Collection effort, payment plans and judgments
Arbitration Forums	Builds filing packets for your team	Vendor files and manages the docket
Fees	10% to 15% contingency on net recovered for sweeps	Contingency on amounts collected, set by contract
Data control	Your tenant, US-only hosting, zero model training	Files transferred to the vendor's systems
Visibility	Live view of every score and SOL date	Periodic status reports
Staffing needs	Someone must act on the manifest	Little internal staff required

What recovery vendors do well

A good vendor gives you trained recovery staff on day one, attorneys who can file suit in the states you write, and the persistence to collect from uninsured parties over months or years. For a carrier or pool without a subrogation unit, that capacity is the fastest route to cash, and contingency pricing means you pay when they collect.

The gap is upstream

A vendor can only pursue what reaches it. NASP and Verisk / ISO put the share of viable subrogation never identified or pursued at 15% to 30%, and those files are never referred to anyone. Ishqkala screens every open and closed file, notes and attachments included, so the referral list itself is complete.

How the two fit together

Ishqkala scores each opportunity and routes it the way you set: clean inter-company auto to your in-house desk for Arbitration Forums, high-dollar product defect to counsel, uninsured adverse parties to your vendor. Vendors receive a demand package with an evidence index and a confirmed SOL date, which shortens their ramp on every file.

FAQ

Frequently asked questions

Usually not. Ishqkala does not contact adverse parties, file suit or collect money. It finds and packages files, and customers often place more files with their vendor after a sweep, not fewer.

Ishqkala fees apply to net dollars recovered. Your order form states how vendor and counsel fees are netted before that calculation, so the full cost of each placed file is clear up front.

Yes. You can grant a vendor or panel counsel access limited to the files you place, with every view and download logged.

Find the millions hiding in your closed claim files before the Statute of Limitations expires.

We'll scan a batch of 500 closed claims for free and deliver an itemized recovery manifest within 5 business days.

Request a free closed-claim audit Start 14-day free trial