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Insurance Subrogation Jobs in Illinois (NOW HIRING)

Company Argo Group Argo Group is an underwriter of specialty insurance products in the property and ... Managing subrogation claims in litigation. * Resolving issues that are generalized and typically ...

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Insurance Subrogation information

What is insurance subrogation?

Insurance subrogation is the process by which an insurance company seeks reimbursement from the at-fault party or their insurer after paying out a claim to its own policyholder. This typically occurs when an insurer has compensated its policyholder for damages or losses, and then pursues recovery from the responsible third party. Subrogation helps keep insurance costs down by ensuring that the party responsible for the loss ultimately pays for it. The policyholder may be required to cooperate with the insurer during the subrogation process, but usually does not need to take direct action themselves.

How does an insurance subrogation specialist typically collaborate with other departments or external parties during the recovery process?

Insurance Subrogation Specialists frequently work closely with adjusters, claims examiners, legal teams, and sometimes external parties such as attorneys and representatives from other insurance companies. Their primary responsibility involves gathering documentation, analyzing claims, and negotiating settlements, which requires strong communication and coordination skills. Effective collaboration ensures the accurate exchange of information and expedites the recovery process, ultimately maximizing recoveries for their organization. Building strong professional relationships is key to overcoming common challenges such as delayed responses or disputed claims.

What are the key skills and qualifications needed to thrive as an insurance subrogation specialist, and why are they important?

To excel as an Insurance Subrogation Specialist, you need a solid understanding of insurance policies, claims processing, and legal procedures, often supported by experience in insurance, claims, or related certifications. Familiarity with claims management software, case management systems, and basic legal research tools is commonly required. Strong negotiation, analytical thinking, and attention to detail are essential soft skills for resolving claims efficiently and professionally. These abilities are critical for maximizing recoveries, minimizing losses, and ensuring compliance with legal and policy requirements.

What is the difference between Insurance Subrogation vs Insurance Claims Adjuster?

AspectInsurance SubrogationInsurance Claims Adjuster
Primary RoleRecover funds from third parties after a claimAssess and settle insurance claims with policyholders
CredentialsKnowledge of insurance laws, negotiation skillsLicensing, claims handling certifications
Work EnvironmentLegal and insurance settings, often involving negotiationsInsurance companies, field and office work
Industry UsageInsurance, legal, recoveryInsurance, customer service

Insurance Subrogation focuses on recovering costs from third parties after a claim, while Insurance Claims Adjusters evaluate and settle claims directly with policyholders. Both roles require insurance knowledge and certifications but serve different functions within the insurance industry.

How to become an insurance subrogation adjuster?

To become an insurance subrogation adjuster, typically one needs a high school diploma or equivalent, along with experience in insurance claims or related fields. Many employers prefer candidates with a state license or certification in claims adjusting, and strong analytical, negotiation, and communication skills are essential for success in this role.
Infographic showing various Insurance Subrogation job openings in Illinois as of August 2026, with employment types broken down into 96% Full Time, and 4% Contract. Highlights an 66% In-person, 17% Hybrid, and 17% Remote job distribution.

Property Damage Subrogation Specialist

First Chicago Insurance Company (FCIC)

Chicago, IL • On-site

$50K - $65K/yr

Full-time

Dental, Vision

Re-posted 20 days ago


First Chicago Insurance rating

5.7

Company rating: 5.7 out of 10

Based on 7 frontline employees who took The Breakroom Quiz

296th of 311 rated insurance


Job description

We are seeking the ideal candidate for our Property Damage Subrogation Specialist opening for our growing insurance company!Property Damage (PD) Subrogation SpecialistRecover What Matters. Make an Impact. Grow Your Career.Are you an experienced auto insurance subrogation professional who enjoys investigating liability, negotiating successful recoveries, and achieving results? We're looking for a Property Damage (PD) Subrogation Specialist to join our Claims team. In this role, you'll take ownership of auto property damage subrogation files from start to finish, working with insurance carriers, attorneys, and uninsured motorists to maximize recoveries while delivering exceptional claim outcomes.If you're a skilled negotiator with strong knowledge of auto liability and thrive in a fast-paced, collaborative environment, we'd love to hear from you.The PD Subrogation Specialist will be responsible for the handling and resolution of all auto property damage subrogation claims. Must have the ability to determine, develop and negotiate the theory of liability with Third Party Carriers, attorneys and uninsured motorists, as well as resolve files in accordance with company objectives and applicable state regulations.DUTIES & RESPONSIBILITIES:Review evidence required supporting property damage subrogation activity on claims in accordance with policy contract, corporate claims policy and state regulationsContact appropriate parties, insurance carriers, and attorneys, to negotiate settlements which are in compliance with company objectives and applicable state regulationsEvaluate all counter claims that present themselves and review with Claims managementReview settlement offers with Claims management to ensure they are in compliance with company objectives and applicable state regulationsAchieve/maintain company goalsPerform other duties as assignedQUALIFICATIONS REQUIRED:Minimum of 2-3 years of auto insurance company subrogation experienceKnowledge of liability lawGood interpersonal, organizational, and verbal/written communication skillsAbility to pass written examinations where required by state statutes to become a licensed claims adjusterAbility to work on an on-line computer-based claims systemIn-Office positionPreferred:College degreeFirst Chicago Insurance Company provides a competitive benefits package to all full- time employees. Following are some of the perks First Chicago employees receive:Competitive SalariesCommitment to your Training & DevelopmentMedical and Dental and Vision ReimbursementShort Term Disability/Long Term DisabilityLife InsuranceFlexible Spending AccountTelemedicine Benefit401k with a generous company matchPaid Time Off and Paid HolidaysTuition ReimbursementWellness ProgramFun company sponsored eventsAnd so much more!Estimated Compensation Range: $50,000/year - $65,000/year**Published ranges are estimates 
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