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Ishqkala

Lines of business · Auto Collision Subrogation

Find the auto recoveries your adjusters closed without pursuing

Ishqkala reads police narratives, diary notes, estimates and telematics to surface missed liability in intersection, lane-change, rental and fleet collisions, then scores each file against the state SOL.

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Average missed recovery

$8,400

Data sources read

  • Adjuster diary notes and recorded statement transcripts
  • Police crash reports, including narrative and diagram
  • CCC ONE and Mitchell repair estimates
  • Dashcam video metadata and telematics trip data
  • ISO ClaimSearch match reports
  • NHTSA recall data by VIN

Overview

Personal auto collision is the highest-volume subrogation line and the easiest to leak. With adjusters carrying 100 to 150 active claims at once (Carrier Claims Workload Study), liability gets set from the first statement and a crash report checkbox. The average missed recovery on a personal auto collision claim is $8,400, and over 80% of AI-identified subrogation opportunities are triggered by unstructured narrative text rather than structured claim fields.

Ishqkala reads the officer narrative, the diagram, both recorded statements, the CCC ONE or Mitchell estimate and any telematics file on the claim. The Liability Reasoning Engine identifies the adverse driver, the employer or owner behind them and the coverage that answers, then models the split under the state fault rule. Your adjusters and recovery counsel decide what to pursue.

Recovery calculatorEstimate unrecovered subrogation dollars and combined ratio improvement based on your annual DWP.Run the numbers

Recovery patterns

What the engine looks for, and the note that gives it away.

  • Complex intersection collisions

    Conflicting statements and no citation push files to a quick split. Ishqkala flags signal-phase disputes, left-turn yield violations and nearby cameras while the video still exists.

    IV states OV ran red light, gas station on corner has cameras

  • Lane-change disputes

    In sideswipes, each driver says the other moved. Scrape direction in the photos and dashcam footage often show which vehicle left its lane.

    both drivers say other veh came into their lane, scrape runs front to back

  • Dashcam and telematics evidence

    Usage-based insurance apps, OEM telematics and dashcams record speed and braking that nobody reviews. Ishqkala flags files where that data contradicts the liability call.

    insd sent dashcam clip, not yet reviewed, liab set 100% IV

  • Rental car indemnity

    The renter's policy, counter-purchased supplemental liability and the rental company's coverage stack under state law. The Graves Amendment (49 U.S.C. § 30106) bars ownership-only claims against the rental company, not claims for its own negligence.

    OV registered to rental co, driver had rental agreement in glovebox

  • Commercial fleet vicarious liability

    A door logo or a USDOT number in the report means an employer and a commercial auto policy. Ishqkala flags respondeat superior and negligent entrustment theories.

    OV was a plumbing co van, driver said he was headed to a job

Workflow

From the file to the recovery.

  1. 01

    Ingest & Mine

    Connect to Guidewire ClaimCenter, Duck Creek or another core system by API or SFTP extract and pull notes, reports and estimates for open and closed auto files.

  2. 02

    Detect & Score

    The Liability Reasoning Engine names adverse parties and scores each file by recoverable dollars, win probability and days until the property damage SOL expires.

  3. 03

    Audit & Prioritize

    Subrogation managers work a ranked queue showing the state fault rule, the modeled split and the SOL date on every file.

  4. 04

    Package & Recover

    The Demand Package Builder assembles the demand or an Arbitration Forums filing packet for your adjusters or counsel to send.

Related claim line playbooks

FAQ

Auto Collision Subrogation subrogation FAQ

Yes. The Closed-Claim Sweeper scans up to 50,000 closed claims in 48 hours and returns an itemized Recovery Opportunity Manifest with the SOL date for every file.

It models the likely split under the state rule: pure comparative, modified 50, modified 51, contributory negligence or South Dakota's slight-gross rule. An insured found 30% at fault recovers in most states, but not where contributory negligence applies.

Ishqkala reads telematics trip data and dashcam metadata attached to the claim and flags conflicts with the liability decision. Your adjusters review the footage.

No. It assembles the filing packet and evidence index. Your team files with Arbitration Forums and controls every submission.

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.

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