Extract data from subrogation notices
When an insurer pays a claim that someone else caused, it steps into its insured's shoes to pursue the at-fault party for the money it paid out, and the subrogation notice is how that recovery begins. A carrier's subrogation unit, a defense adjuster on the other side, and outside recovery counsel all work from the same notice: it names the policy the loss was paid under, the insured who was reimbursed, the liable third party being pursued, the original claim number it traces back to, and the total amount the carrier wants back. For a $42,000 auto loss that Continental Casualty Insurance Co. (NAIC 20443) paid on behalf of Goodwin Retail Co., the notice sent to the party responsible for Delta Freight LLC opens a recovery that a queue of open files has to track to closure.
What decides a subrogation file is the loss split and the recovery allocation. A carrier pays the loss less the insured's deductible, so on a $42,000 loss with a $1,000 deductible the insurer paid $41,000 and the insured absorbed $1,000. Once money comes back, the make-whole principle sends the insured's $1,000 deductible back first and the carrier keeps its $41,000, so a $42,000 recovery has to allocate cleanly between the two. Beyond the amount, the notice carries the date of loss, a response or payment deadline, the coverage line with its per-occurrence and aggregate limits, and whether any waiver of subrogation applies, since a waived right of subrogation can end the recovery before it starts.
Talonic reads the subrogation notice and returns the policy and party structure, the recovery amount with its line-item breakdown, and the claim references as typed fields, with the recovery allocation kept explicit. A notice dated 2026-02-12 for a loss on 2025-11-08, seeking $42,000 in USD from the liable party with a $1,000 deductible reimbursement owed back to the insured, loads into a recovery ledger instead of a retyped file, so an adjuster works the file from structured data.
What gets extracted from subrogation notices
How extraction works for subrogation notices
Subrogation notices come from carrier recovery systems, demand letters drafted by counsel, and scanned ACORD-based claim packets, so the placement of the recovery figures and the party blocks differs from one file to the next. Talonic classifies the notice and maps it to the claims-recovery schema in the Field Registry, which separates the insured, the insurer acting as subrogee, and the liable third party, and keeps the recovery amount apart from the underlying claim it traces to. Recovery line items are typed as numbers in their ISO 4217 currency and reconciled to the total recovery amount, the insured's deductible reimbursement is held as its own figure so the make-whole allocation stays explicit, and the coverage line keeps its per-occurrence and aggregate limits. Dates for the loss, the notice, and any response deadline are parsed to ISO 8601, the carrier NAIC number is captured to identify the paying insurer, and a waiver-of-subrogation indicator is read where the file states it. Every value returns with a confidence score and a pixel-region pointer under DIN SPEC 91491, so a recovery adjuster can verify an allocation or a limit against the source notice before pursuing the third party. This extraction structures what the notice states and does not assess liability or advise on the recovery.
Sample extraction
A subrogation notice with an itemized recovery breakdown
{
"document_number": "SUB-2026-0182",
"document_date": "2026-02-12",
"policy_number": "AL-2025-44892-NA",
"insured_name": "Goodwin Retail Co.",
"insurer_name": "Continental Casualty Insurance Co.",
"insurer_naic_number": "20443",
"claimant_name": "Continental Casualty Insurance Co.",
"defendant_name": "Delta Freight LLC",
"original_claim_number": "CLM-2025-778213",
"loss_date": "2025-11-08",
"loss_description": "Insured delivery van struck at intersection by third-party freight truck",
"coverage_type": "Auto Liability",
"each_occurrence_limit": 1000000,
"total_recovery_amount": 42000,
"currency": "USD",
"insured_deductible_reimbursement": 1000,
"insurer_paid_indemnity": 41000,
"subrogation_waived": false,
"due_date": "2026-03-14",
"attorney_name": "Marsh & Whitfield LLP",
"recovery_items": [
{
"item_description": "Vehicle repair",
"amount": 34800,
"category": "property_damage"
},
{
"item_description": "Rental car during repair",
"amount": 2400,
"category": "loss_of_use"
},
{
"item_description": "Diminished value",
"amount": 3600,
"category": "property_damage"
},
{
"item_description": "Adjuster and tow charges",
"amount": 1200,
"category": "expense"
}
],
"claim_details": [
{
"claim_reference": "CLM-2025-778213",
"claim_status": "paid",
"amount_claimed": 42000,
"amount_approved": 42000,
"date_claimed": "2025-11-14"
}
]
}Frequently asked
Does it split the recovery between the insurer and the insured?
Yes. The insured deductible reimbursement is held as its own figure alongside the insurer paid indemnity, so a $42,000 recovery is shown allocating $1,000 back to the insured under the make-whole principle and $41,000 to the carrier that paid the loss.
Are the recovery line items reconciled to the total?
Each recovery item is typed as a number in its stated currency and the items are summed against the total recovery amount, so a $42,000 demand that does not foot to its property-damage, loss-of-use, and expense lines is flagged rather than trusted.
Does it capture a waiver of subrogation?
A waiver-of-subrogation indicator is read where the file states it, because a waived right of subrogation removes the carrier right to recover and changes whether the notice should be worked at all.
Does it decide who is liable for the loss?
No. Talonic structures what the subrogation notice states, the parties, the amount, and the claim references, and links each value to its source region. Determining liability and pursuing the recovery are the roles of the adjuster and counsel, not the extraction.
What fields are extracted from subrogation notices?
Talonic returns subrogation notices as schema-validated, typed fields. Common fields include Document Number, Document Date, Policy Number, Insured, and more, each normalized (dates to ISO 8601, amounts as numbers) and mapped to a stable key so the output shape stays the same across layouts.
How accurate is extraction from subrogation notices, and how is confidence reported?
Every extracted cell carries a confidence score from 0.0 to 1.0 and a provenance pointer back to the source page and region, so low-confidence values can be reviewed against the original before the data is trusted downstream. There is no single accuracy number: confidence is reported per field so you can gate on it.
Can I use subrogation notices extraction in production?
Yes. The same engine behind this guide is available as a production REST API and Node SDK with sync, async, and streaming modes, schema versioning, signed webhooks, and EU-resident processing. Start free with an API key, then scale on usage-based pricing.
What does it cost to extract data from subrogation notices?
There is a free tier for prototyping and agent evaluation with no credit card. Paid usage is credit-based at 1,000 credits per euro: page ingestion is 100 credits per page and registry-resolved queries are free. See talonic.com/pricing for current rates.
Ready to extract from your own subrogation notices?
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Author note
Reviewed by Talonic engineering · last reviewed 2026-07-07