Subrogation: Making Third-Party Recoveries
Sometimes, people outside of your company or its operations cause an employee's on-the-job accident. When that happens, Texas Mutual Insurance Company will still provide your employee workers' compensation benefits. In the meantime, our dedicated subrogation team will work to recover these claim benefits from the responsible party.
Subrogation saves you money
Successful subrogation ensures that you don't end up paying, through increased premium, for someone else's mistake. Here's why:
- Recoveries lower claim reserves
- Recoveries can reduce your experience modifier
Know what to look for
Most subrogation recoveries involve vehicles, products or premises. Here are examples of each:
Know what to do Remember
Anytime one of your employees is injured on the job, investigate the accident. A thorough accident investigation process is critical to workplace safety and successful subrogation.
No matter how an accident happens, immediately contact your adjuster at (800) 859-5995, or email the subrogation team at firstname.lastname@example.org if you believe another party caused the accident. We will send a field investigator out as soon as possible to investigate. The sooner we get involved, the better the chances for a recovery.