Workers' Compensation Subrogation

Training Manual Table of Contents

Section One: Impact
Workshop 1.1--How Much Do You Know About Subrogation?  1
Definition 3
Workshop 1.2--Goals For Today 5
The Contract of Indemnity 6
Exhibit 1.1--Subrogation Relationships 7
Workers Compensation Coverage 7
The Subrogation Clause  8
Exhibit 1.2--Notice Letter To Employee 12
Workshop 1.3--Subrogation Claims I Have Handled 13
Workers Compensation Liens and Subrogation 14
Effects of Subrogation 14
Exhibit 1.3--Workers Compensation Subrogation Recoveries--1979-1988 16
Section Summary  16

Section Two: Recognition

Introduction 19
Workshop 2.1--Why Not More Money? 21
Investigation 22
Exhibit 2.1--The Ebbinghaus Memory Curve  22
Use of Experts 25
Workshop 2.2--Qualities of An Expert  27
Workshop 2.3--Critical Review of An Expert's Report-Part A 29
Workshop 2.3--Critical Review of An Expert's Report-Part B 35
Damages Investigation 44
Evidence 44
Contracts 48
Workshop 2.4--Planning a Subrogation Investigation  49
Legal Liability  51
Civil Liability 52
Exhibit 2.2--Civil Liability 52
Contractual Liability  52
Torts  53
Tort Defenses  56
Exhibit 2.3--Rules Of Negligence Observed In The United States 58
Exhibit 2.4--Statutes Of Limitations 61
Imputed Liability  62
Workshop 2.5--Automobile Comparative Negligence 63
Premises Liability 69
Products Liability  71
Subrogation Against Governments 76
Workshop 2.6--What Do You Think? 79
Section Summary  83
Section Three: Negotiation
Introduction 85
Developing Insurance Information  86
Workshop 3.1--Speeding Up The Process 87
Defenses To Subrogation 88
Arbitration 

89

Litigation 89
The Anatomy Of Litigation 90
The Trial 92
Negotiation 94
Workshop 3.2--Characteristics of Great Negotiators 95
Workshop 3.3--Telephone Negotiations  97
The Phone 98
Workshop 3.4--So What Do We Do About The Phone? 99
Negotiating Behaviors When Dealing With Attorneys 100
Workshop 3.5--Negotiating The Lien--Part A-Auto Accident 103
Workshop 3.5--Negotiating The Lien--Part B-Products Liability 109
Workshop 3.5--Negotiating The Lien--Part C-Auto Liability 117
Section Summary  120
References 123