Subrogation Recovery Calculator

Estimate your net subrogation recovery after attorney fees, investigation costs, and made-whole doctrine adjustments.

Total Insured Loss Paid ($)

Insured's Deductible ($)

Gross Recovery from Third Party ($)

Attorney / Collection Fee (%)

Investigation & Litigation Costs ($)

Third-Party Comparative Fault (%)

1. Total Insured Damages = Loss Paid + Deductible

2. Fault-Adjusted Ceiling = Total Insured Damages × (Comparative Fault % ÷ 100)

3. Capped Gross Recovery = min(Gross Recovery, Fault-Adjusted Ceiling)

4. Attorney Fee = Capped Gross Recovery × (Attorney Fee % ÷ 100)

5. Net Recovery Pool = Capped Gross Recovery − Attorney Fee − Investigation Costs

6. Insurer Share Ratio = Loss Paid ÷ Total Insured Damages

7. Net Insurer Recovery = Net Recovery Pool × Insurer Share Ratio (Made-Whole Doctrine)

8. Net Insured Recovery = Net Recovery Pool × (Deductible ÷ Total Insured Damages)

9. Recovery Ratio = Net Insurer Recovery ÷ Loss Paid × 100

10. Subrogation Efficiency = Net Recovery Pool ÷ Capped Gross Recovery × 100

The Made-Whole Doctrine requires the insured to be fully compensated before the insurer recovers; net pool is prorated by each party's share of total damages (ISO/NAIC standard practice).
Comparative fault caps the maximum recoverable amount proportional to the third party's degree of fault (Restatement (Third) of Torts § 7).

In the network