Subrogation Recovery Calculator
ANA›Life Services Authority›National Calculator Authority›Subrogation Recovery Calculator
.calc-container { max-width: 640px; margin: 2rem 0; padding: 1.5rem; background: #fff; border: 1px solid #ddd; border-radius: 8px; box-shadow: 0 1px 3px rgba(0,0,0,0.06); font-family: system-ui, -apple-system, sans-serif; } .calc-container h3 { font-family: Georgia, serif; font-size: 1.15rem; color: #1a1a1a; margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-row { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.75rem; flex-wrap: wrap; } .calc-row label { min-width: 160px; font-size: 0.9rem; color: #333; font-weight: 500; } .calc-row input[type="number"], .calc-row select { flex: 1; min-width: 120px; max-width: 200px; padding: 0.5rem 0.6rem; border: 1px solid #ccc; border-radius: 4px; font-size: 0.9rem; font-family: system-ui, sans-serif; color: #1a1a1a; background: #fafaf8; } .calc-row input:focus, .calc-row select:focus { outline: none; border-color: var(--ac, #3d5a80); box-shadow: 0 0 0 2px rgba(26,74,138,0.12); } .calc-row .unit { font-size: 0.82rem; color: #888; min-width: 30px; } .calc-btn { display: inline-block; margin-top: 0.5rem; padding: 0.55rem 1.5rem; background: var(--ac, #3d5a80); color: #fff; border: none; border-radius: 4px; font-size: 0.9rem; font-weight: 600; cursor: pointer; font-family: system-ui, sans-serif; } .calc-btn:hover { opacity: 0.9; } .calc-result { margin-top: 1.25rem; padding: 1rem 1.25rem; background: #f0f6fc; border-left: 3px solid var(--ac, #3d5a80); border-radius: 0 6px 6px 0; display: none; } .calc-result.visible { display: block; } .calc-result-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; color: #666; margin-bottom: 0.25rem; } .calc-result-value { font-size: 1.6rem; font-weight: 700; color: var(--ac, #3d5a80); } .calc-result-detail { font-size: 0.85rem; color: #555; margin-top: 0.5rem; line-height: 1.5; } .calc-note { margin-top: 1rem; font-size: 0.8rem; color: #888; font-style: italic; } .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; margin-top: 0.75rem; } .calc-grid-item { padding: 0.6rem 0.8rem; background: #f8f9fa; border-radius: 4px; border: 1px solid #eee; } .calc-grid-item .label { font-size: 0.75rem; color: #888; text-transform: uppercase; letter-spacing: 0.04em; } .calc-grid-item .value { font-size: 1.1rem; font-weight: 600; color: #1a1a1a; } @media (max-width: 720px) { .calc-row { flex-direction: column; align-items: flex-start; gap: 0.3rem; } .calc-row label { min-width: auto; } .calc-row input[type="number"], .calc-row select { max-width: 100%; width: 100%; } .calc-grid { grid-template-columns: 1fr; } } .calc-chart { margin: 1rem 0; text-align: center; } .calc-chart svg { max-width: 100%; height: auto; } .calc-chart-legend { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.6rem 1.2rem; margin-top: 0.6rem; font-size: 0.8rem; color: #555; } .calc-chart-legend span { display: inline-flex; align-items: center; gap: 0.3rem; } .calc-chart-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; font-style: normal; } .calc-related { max-width: 640px; margin: 2rem 0 1rem; padding: 1.25rem 1.5rem; background: #f8f9fa; border: 1px solid #e8e8e8; border-radius: 8px; } .calc-related h3 { font-family: Georgia, serif; font-size: 1rem; color: #1a1a1a; margin: 0 0 0.75rem; padding-bottom: 0.4rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-related-list { list-style: none; padding: 0; margin: 0 0 0.75rem; display: grid; grid-template-columns: 1fr 1fr; gap: 0.4rem 1.5rem; } .calc-related-list li a { font-size: 0.88rem; color: var(--ac, #3d5a80); text-decoration: none; } .calc-related-list li a:hover { text-decoration: underline; } .calc-browse-all { margin: 0.5rem 0 0; font-size: 0.9rem; font-weight: 600; } .calc-browse-all a { color: var(--ac, #3d5a80); text-decoration: none; } .calc-browse-all a:hover { text-decoration: underline; } @media (max-width: 720px) { .calc-related-list { grid-template-columns: 1fr; } }
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 (%)
Calculate
function subCalc() { // --- Read inputs --- const totalLoss = parseFloat(document.getElementById('sub-total-loss').value); const deductible = parseFloat(document.getElementById('sub-deductible').value); const grossRecovery = parseFloat(document.getElementById('sub-gross-recovery').value); const attorneyFeePct = parseFloat(document.getElementById('sub-attorney-fee-pct').value); const investigationCost= parseFloat(document.getElementById('sub-investigation-cost').value); const comparativeFault = parseFloat(document.getElementById('sub-comparative-fault').value);
const resultDiv = document.getElementById('sub-result');
// --- Validation --- const errors = []; if (isNaN(totalLoss) || totalLoss 100) errors.push("Attorney Fee % must be between 0 and 100."); if (isNaN(investigationCost)|| investigationCost 100) errors.push("Comparative Fault % must be between 0 and 100."); if (!isNaN(deductible) && !isNaN(totalLoss) && deductible > totalLoss) errors.push("Deductible cannot exceed Total Insured Loss Paid.");
if (errors.length > 0) { resultDiv.style.display = 'block'; resultDiv.className = 'calc-result calc-error'; resultDiv.innerHTML = 'Please fix the following errors:' + errors.map(e => '').join('') + ''; return; }
// --- Core Formulas ---
// 1. Total insured damages (loss + deductible = full economic loss to insured) const totalInsuredDamages = totalLoss + deductible;
// 2. Fault-adjusted gross recovery (comparative negligence reduction) // If third party is 80% at fault, insurer can only recover up to 80% of damages const faultFactor = comparativeFault / 100; const maxRecoverableByFault = totalInsuredDamages * faultFactor;
// 3. Capped gross recovery — cannot recover more than fault-adjusted ceiling const cappedGrossRecovery = Math.min(grossRecovery, maxRecoverableByFault);
// 4. Attorney / collection fee on gross recovery const attorneyFee = cappedGrossRecovery * (attorneyFeePct / 100);
// 5. Net recovery pool (after fees and costs) const netRecoveryPool = cappedGrossRecovery - attorneyFee - investigationCost;
// 6. Made-Whole Doctrine allocation // Insured must be made whole before insurer collects. // Insured's shortfall = total damages - gross recovery (before fees) // If net pool >= insured shortfall, insurer gets the remainder. // Insured shortfall = deductible not yet recovered const insuredShortfall = Math.max(0, deductible - (cappedGrossRecovery - (cappedGrossRecovery * (attorneyFeePct/100)) - investigationCost) * (deductible / totalInsuredDamages));
// Simpler standard allocation: prorate net pool between insurer and insured // Insurer's share of total damages = totalLoss / totalInsuredDamages // Insured's share = deductible / totalInsuredDamages const insurerShareRatio = (totalInsuredDamages > 0) ? (totalLoss / totalInsuredDamages) : 1; const insuredShareRatio = (totalInsuredDamages > 0) ? (deductible / totalInsuredDamages) : 0;
// 7. Net insurer recovery (made-whole prorated) let netInsurerRecovery = Math.max(0, netRecoveryPool) * insurerShareRatio;
// 8. Net insured recovery (deductible reimbursement) let netInsuredRecovery = Math.max(0, netRecoveryPool) * insuredShareRatio;
// 9. Recovery ratio (net insurer recovery / total loss paid) const recoveryRatio = (totalLoss > 0) ? (netInsurerRecovery / totalLoss) * 100 : 0;
// 10. Subrogation efficiency (net recovery pool / gross recovery) const subrogationEfficiency = (cappedGrossRecovery > 0) ? (netRecoveryPool / cappedGrossRecovery) * 100 : 0;
const fmt = v => '$' + Math.max(0, v).toLocaleString('en-US', {minimumFractionDigits:2, maximumFractionDigits:2}); const pct = v => v.toFixed(2) + '%';
resultDiv.style.display = 'block'; resultDiv.className = 'calc-result calc-success'; resultDiv.innerHTML = ` ### Subrogation Recovery Results
Total Insured Damages (Loss + Deductible)${fmt(totalInsuredDamages)} Fault-Adjusted Recovery Ceiling (${pct(comparativeFault)} fault)${fmt(maxRecoverableByFault)} Capped Gross Recovery${fmt(cappedGrossRecovery)} Attorney / Collection Fee (${pct(attorneyFeePct)})− ${fmt(attorneyFee)} Investigation & Litigation Costs− ${fmt(investigationCost)} Net Recovery Pool${fmt(netRecoveryPool)} Net Insurer Recovery (Made-Whole Adjusted)${fmt(netInsurerRecovery)} Net Insured Recovery (Deductible Reimbursement)${fmt(netInsuredRecovery)} Recovery Ratio (Net Insurer Recovery / Loss Paid)${pct(recoveryRatio)} Subrogation Efficiency (Net Pool / Gross Recovery)${pct(subrogationEfficiency)}
${netRecoveryPool
#### Formulas Used
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
#### Assumptions & References
- 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).
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