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$30.5K

$64.6K

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How much do claims subrogation jobs pay per year?

As of Jun 8, 2026, the average yearly pay for claims subrogation in the United States is $64,609.00, according to ZipRecruiter salary data. Most workers in this role earn between $51,000.00 and $75,500.00 per year, depending on experience, location, and employer.

What is the difference between Claims Subrogation vs Claims Adjuster?

AspectClaims SubrogationClaims Adjuster
CredentialsInsurance licensing, claims handling experienceInsurance licensing, claims handling experience
Work EnvironmentInsurance companies, legal settingsInsurance companies, field and office
Employer & IndustryInsurance carriers, third-party administratorsInsurance carriers, independent agencies

Claims Subrogation specialists focus on recovering funds from third parties after a claim, while Claims Adjusters evaluate and settle claims directly with policyholders. Both roles require insurance licensing and claims experience, but their primary functions differ: subrogation involves legal and recovery processes, whereas adjusters handle claim assessment and settlement.

What is claims subrogation?

Claims subrogation is a process in the insurance industry where an insurer seeks to recover costs from a third party who is responsible for a loss after the insurer has paid out a claim to their policyholder. Essentially, after compensating the insured, the insurance company steps into the shoes of the policyholder to pursue reimbursement from the party at fault. This helps prevent the responsible party from avoiding liability and allows insurers to recover funds, which can help keep premiums lower for everyone. Subrogation is commonly used in auto, property, and health insurance claims.

What are the key skills and qualifications needed to thrive as a Claims Subrogation Specialist, and why are they important?

To thrive as a Claims Subrogation Specialist, you need a solid understanding of insurance claims processes, investigative skills, and knowledge of legal liability, typically supported by a bachelor's degree or relevant experience. Familiarity with claims management software, subrogation tracking systems, and proficiency in Microsoft Office are often required. Strong negotiation, analytical thinking, and effective communication skills help you recover funds and resolve disputes efficiently. These skills ensure accurate recovery of losses, compliance with regulations, and positive relationships with clients and third parties.

What are some common challenges faced by professionals in claims subrogation, and how can they be addressed?

Professionals in claims subrogation often face challenges such as gathering sufficient evidence to prove liability, navigating complex legal and contractual issues, and coordinating with multiple parties including insured clients, third parties, and legal teams. To address these challenges, strong investigative skills, attention to detail, and effective communication are essential. Building positive relationships with internal adjusters and external partners can streamline information sharing and improve recovery outcomes. Keeping up-to-date with industry regulations and leveraging technology tools also helps in managing cases efficiently.
More about Claims Subrogation jobs
What cities are hiring for Claims Subrogation jobs? Cities with the most Claims Subrogation job openings:
What are the most commonly searched types of Claims Subrogation jobs? The most popular types of Claims Subrogation jobs are:
What states have the most Claims Subrogation jobs? States with the most job openings for Claims Subrogation jobs include:
What job categories do people searching Claims Subrogation jobs look for? The top searched job categories for Claims Subrogation jobs are:
Claims Subrogation jobs near you
Infographic showing various Claims Subrogation job openings in the United States as of May 2026, with employment types broken down into 1% Locum Tenens, 1% Internship, 1% As Needed, 23% Full Time, 73% Part Time, and 1% Nights. Highlights an 65% Physical, 10% Hybrid, and 25% Remote job distribution, with an average salary of $64,609 per year, or $31.1 per hour.

Claims Examiner - Subrogation Claims

Auto Owners Insurance Company

Lansing, MI • On-site

Full-time

Retirement, PTO

Posted 24 days ago

Job description

A career at Auto-Owners is challenging and rewarding. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs.

Job Description

We offer a merit-based work-from-home program based on job responsibilities. After initial training in-person, you could have the flexibility of work-from-home time as defined by the leadership team.

Auto-Owners Insurance, a top-rated insurance carrier, is seeking an experienced and motivated claims professional to join our team. The position requires the following, but is not limited to:

  • Review and monitor open claims files.
  • Provide assistance with coverage, liability and damage determinations.
  • Review closed files provide feedback to claim handlers.
  • Review open and closed files to ensure adherence to claim handling guidelines and state's Fair Claims Practices.
  • Assist associates in identifying claims with subrogation potential.
  • Manage the arbitration process for subrogation files.
  • Assist in developing and presenting educational material to claim associates in classroom and remote settings.
  • Work effectively with associate and customers at all levels.

Desired Skills & Experience

  • Bachelor's degree or equivalent experience
  • Minimum of 2 years claims handling experience
  • Above-average communication skills (written and verbal)
  • Ability to resolve complex issues
  • Organize and interpret data
  • Ability to handle multiple assignments
  • Possess a valid driver's license

Benefits

Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent compensation/benefits package. Along with a competitive base salary, matched 401(k), fully-funded pension plan (once vested), and bonus programs, Auto-Owners also provides generous paid time off including holidays, vacation days, personal time, and sick leave. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you!

Equal Employment Opportunity

Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law.

*Please note that the ability to work in the U.S. without current or future sponsorship is a requirement.

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