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Subrogation information

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$47K

$67.1K

$82.3K

How much do subrogation jobs pay per year?

As of Aug 30, 2026, the average yearly pay for subrogation in Rhode Island is $67,137.00, according to ZipRecruiter salary data. Most workers in this role earn between $54,400.00 and $76,900.00 per year, depending on experience, location, and employer.

What is subrogation?

A subrogation job involves recovering money from a third party who is responsible for causing financial loss, typically in insurance claims. Subrogation specialists investigate claims, analyze liability, and negotiate settlements to reimburse their company or clients. They work closely with adjusters, attorneys, and policyholders to ensure proper compensation. This role requires attention to detail, strong communication skills, and knowledge of insurance laws and policies.

What does someone in subrogation do?

In a Subrogation role, your daily responsibilities often include reviewing insurance claims to identify opportunities for recovery, investigating facts to determine liability, and working closely with insured parties, third parties, and legal representatives. You'll negotiate settlements, prepare and submit necessary documentation, and track the progress of active recovery cases. Additionally, you'll collaborate with other claims adjusters, legal teams, and sometimes attend court hearings or arbitration as needed. This position demands a mix of investigative work, negotiation, and attention to detail to maximize recovery on paid claims.

What are the key skills and qualifications needed to thrive in subrogation?

To thrive in Subrogation, you need a background in insurance claims, legal principles, and investigative research, often supported by a degree in business, law, or a related field. Proficiency with claims management systems, insurance software, and knowledge of subrogation protocols or relevant certifications like CSRP (Certified Subrogation Recovery Professional) are highly beneficial. Excellent negotiation, analytical thinking, and effective communication skills distinguish top performers in this role. These skills ensure successful recovery of claim costs, collaboration with legal teams, and thorough documentation in a fast-paced environment.

How do you become a subrogation adjuster?

To become a subrogation adjuster, typically one needs a high school diploma or equivalent, along with experience in insurance claims or claims adjusting. Many employers prefer candidates with a relevant license or certification, such as the Adjuster License, and strong negotiation and analytical skills. Gaining knowledge of insurance policies and legal procedures is also beneficial.

What are the most commonly searched types of Subrogation jobs in Rhode Island?

The most popular types of Subrogation jobs in Rhode Island are:

What are popular job titles related to Subrogation jobs in Rhode Island?

For Subrogation jobs in Rhode Island, the most frequently searched job titles are:

What job categories do people searching Subrogation jobs in Rhode Island look for?

The top searched job categories for Subrogation jobs in Rhode Island are:

Subrogation jobs near you
Infographic showing various Subrogation job openings in Rhode Island as of August 2026, with employment types broken down into 80% Full Time, 10% Temporary, and 10% Contract. Highlights an 70% In-person, 20% Hybrid, and 10% Remote job distribution, with an average salary of $67,137 per year, or $32.3 per hour.

Claims Senior Subrogation Specialist - Inbound

Lincoln, RI • On-site

American Automobile Association
Non-Profits • 10K+ employees

7.4

Company rating: 7.4 out of 10

Based on 283 frontline employees who took The Breakroom Quiz

235th of 315 rated insurance

Good employer

Recommended by students

Recommended by parents

Learn more about American Automobile Associationexternal

$64K - $86K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 18 days ago

Job description

Claims Senior Subrogation Specialist - Inbound
Job Summary
The Senior Subrogation Specialist is responsible for the technical evaluation, negotiation, and settlement of complex subrogation files regardless of the recovery or intake channel. Primary functions include identifying and pursuing recovery opportunities (Outbound), resolving incoming carrier demands (Inbound), and managing the full lifecycle of Arbitration filings. The specialist manages a diverse portfolio-including Medpay Trust, Government, and specialized loss types-while serving as a formal Arbitration Panelist to resolve industry disputes.
Job Duties
  • Arbitration Prep & Filing: Prepare and file high-quality intercompany arbitration contentions through Arbitration Forums (Arb Forums) when negotiations reach an impasse, ensuring all legal theories and evidence are accurately presented.
  • Litigation & Vendor Management: Manage and oversee all litigated subrogation files, coordinating with legal counsel to manage complex legal issues while monitoring and managing vendors for Medpay Trust, Property, Product Liability, and complex legal issues.
  • Universal Communication & Negotiation: Communicate and interact with third-party insurance carriers, legal counsel, government entities, and internal stakeholders to review, negotiate, and resolve high-complexity inbound subrogation demands and outbound recovery efforts.
  • Specialized Loss Recovery: Identify and pursue recovery for specialized losses, including Medpay Trust, Property, Watercraft, Motorcycle, commercial semi-truck, Government, and Product Liability claims.
  • Technology & Systems: Utilize E-Subro Hub, Arbitration Forums, and specialized claims/appraisal systems to facilitate the electronic exchange of documentation and high-limit payment processing.
  • Arbitration Industry Leadership: Serve as a required Arbitration Forums (AF) Panelist, reviewing and deciding on complex intercompany arbitration cases filed by other member carriers.
  • Liability & Damage Assessment: Evaluate and determine liability and damages for high-complexity files across all markets, specifically addressing comparative liability disputes, policy limit issues, and negligence principles.
  • Evidence & Verification: Identify and obtain necessary internal and external documentation, including police reports, repair estimates, and payment histories, to verify the accuracy of third-party demands or support liability arguments and recovery demands.
  • Inbound Technical Review: Review and validate incoming demands involving specialized handling for Watercraft, Motorcycle, commercial semi-truck, and Real Property losses to ensure they meet "Straight Through" processing criteria.
  • Member Advocacy: Proactively contact insured members to provide status updates on subrogation and recovery efforts, specifically regarding the status of their deductible recovery and reimbursement.
  • Administrative Excellence: Maintain accurate records in all specialized subrogation systems to track productivity, savings, recovery rates, and file quality.

Qualifications
  • Bachelors Equivalent combination of education and experience Preferred
  • 4-6 years 3+ years of claims liability experience required. Required
  • Previous experience with E Subro Hub and Arbitration Forums required. (High proficiency)
  • Advanced knowledge of claims administration, subrogation principles, and negligence laws across all markets. (High proficiency)
  • Excellent written communication skills required for drafting complex arbitration contentions and legal correspondence. (Medium proficiency)
  • Proficient in Microsoft Office suite, claims systems, appraisal systems, and E-Subro Hub. (High proficiency)
  • Organization and planning proficiency required to manage complex litigation and arbitration timelines. (High proficiency)
  • Advanced interpersonal and negotiation skills. (Medium proficiency)
  • Successful completion of Foundation and Arbitration Handling training. (High proficiency)
  • Property and Casualty Insurance License, valid in selling state - Issued by State P&C Insurance License required for Texas; must have the ability to obtain NH, VT, and KY licenses based on business need. Required

Travel Requirements
  • Occasional travel to off-site business meetings or conferences (5% proficiency)

#LI-SM1
The starting pay range for this position is $64,500 - $86,100 annually. Additionally, you will be eligible to participate in our incentive program based upon the achievement of organization, team and personal performance.
Remarkable benefits:
• Health coverage for medical, dental, vision
• 401(K) saving plans with company match AND Pension
• Tuition assistance
• Floating holidays and PTO for community volunteer programs
• Paid parental leave
• Wellness programs
• Employee discounts (membership, insurance,
travel, entertainment, services and more!)
Auto Club Enterprises is the largest club within the national AAA federation. We have nearly 17,000 employees in 24 states helping more than 18 million members. The strength of our organization is our employees. Bringing together and supporting different cultures, backgrounds, personalities, and strengths creates a team capable of delivering legendary, lifetime service to our members. When we embrace our diversity - we win. All of Us! With our national brand recognition, long-standing reputation since 1900, and constantly growing membership, we are seeking career-minded, service-driven professionals to join our team.
"Through dedicated employees we proudly deliver legendary service and beneficial products that provide members peace of mind and value."
AAA is an Equal Opportunity Employer
Our organization participates in E-Verify
American Automobile Association logo

About American Automobile Association

Sourced by ZipRecruiter

The American Automobile Association (AAA), headquartered in Heathrow, Florida, USA, is a reputable force in the automotive and insurance industry. Originating in 1902, it began as a coalition of motor clubs with the common goal of providing better roads and travel conditions for motorists. Today, AAA is a comprehensive, multifaceted organization that offers a range of services, including roadside assistance, auto repair services, travel agency services, and diverse insurance products - Auto, Home, Life and more. A significant principle for AAA is to continuously deliver value to their 61 million members through safety, security and peace of mind. The company's mission and core values focus on championing its members' rights and interests, advocating innovation, integrity, teamwork and respect.

Industry

Non-profits

Company size

10,000+ Employees

Headquarters location

Heathrow, FL, US

Year founded

1902

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Benefits

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