--- title: Early Investigation is the Key to Successful Subrogation description: The single most important ingredient to uncovering subrogation is an early incident investigation. I cannot emphasize that enough. I have previously touche image: https://blog.amequity.com/hubfs/Imported_Blog_Media/img_0752e296ed30fa6144fc9b3d45a60febb71f-Jun-17-2022-07-21-24-14-PM.jpg --- - [Report a Claim](https://www.amequity.com/report-a-claim) - [Member Login](https://www.amequity.com/log-in) [![Amequity](https://blog.amequity.com/hs-fs/hubfs/raw_assets/public/Amequity_Feb2022/images/AEU-full-logo-color.png?width=252&height=81&name=AEU-full-logo-color.png "Amequity")](https://www.amequity.com/) - [Coverage](https://www.amequity.com/coverage) - Resources - [Safety Resources](https://www.amequity.com/resources/safety-resources) - [Claims Resources](https://www.amequity.com/resources/claims-resources) - [Medical Management Resources](https://www.amequity.com/resources/medical-management-resources) - [Leadership Training](https://www.amequity.com/resources/leadership-training) - [Advisory Services](https://www.amequity.com/resources/advisory-services) - [Events](https://www.amequity.com/events) - [Blog & Podcast](https://blog.amequity.com/) - [Join Our Mailing List](https://www.amequity.com/join-our-mailing-list) - Who We Are - [About AEU](https://www.amequity.com/who-we-are/about-aeu) - [Newsroom](https://www.amequity.com/who-we-are/newsroom) - [Leadership](https://www.amequity.com/who-we-are/leadership) - [Careers](https://www.amequity.com/who-we-are/careers) - [Contact](https://www.amequity.com/contact) Longshore Insider All other pages Aug 12, 2010 # Early Investigation is the Key to Successful Subrogation ![Early Investigation is the Key to Successful Subrogation](https://blog.amequity.com/hubfs/Imported_Blog_Media/img_0752e296ed30fa6144fc9b3d45a60febb71f-Jun-17-2022-07-21-24-14-PM.jpg) The single most important ingredient to uncovering subrogation is an early incident investigation. I cannot emphasize that enough. I have previously touched on the significance of conducting an early investigation, but it is so critical to identifying subrogation that it bears repeating. What do I mean by “early?” Simply stated, now. Not in a few minutes. Not in a few hours. Not in a few days. Early means right now. No delays. Of course, there will be situations where summoning emergency medical care for an injured worker or taking steps to mitigate a hazardous situation to prevent further or additional injury will naturally take precedence over starting a subrogation investigation. But the minute that those types of issues under control, subrogation should be investigated. Why delve into the possibility of subrogation so early? Several important reasons. First, witnesses disappear quickly. Witnesses who were working nearby disburse and, for whatever reason, are often never identified or located. Witnesses also frequently move, seek other employment and even die. Moreover, even if a witness is available for interview, their memory of the details surrounding an event can fade over time. Consequently, to get the best understanding of the facts all people with knowledge need to be immediately identified and interviewed. The second reason for conducting an early investigation is to prevent important evidence from getting lost or discarded. An early investigation will identify any product, machinery or equipment that must be set aside and preserved. That is vital to successful subrogation because having no product almost always means that no product liability claim can be asserted. Third, incident scenes rapidly change over time for a variety of reasons. Few things are more devastating to identifying subrogation as a spoiled or materially altered incident scene. An early investigation will yield the best evidence and will maximize the chances of revealing a subrogation opportunity worth pursuit, which could result in substantial savings on an employer’s comp insurance premiums. One way that AEU drives down claims costs for ALMA members is the money savings generated through subrogation.  Since 2003, AEU has saved ALMA members over 10 million dollars through subrogation recoveries and the reserve eliminations on claims with subrogation. [![Need Longshore Coverage? Click Here](https://no-cache.hubspot.com/cta/default/21001141/4124b689-df59-4626-adb4-e97478e404ba.png)](https://cta-redirect.hubspot.com/cta/redirect/21001141/4124b689-df59-4626-adb4-e97478e404ba) ### Share: - [![Tell a Friend](https://blog.amequity.com/hubfs/raw_assets/public/Amequity_Feb2022/images/share-icon.png)](mailto:?&subject=Early%20Investigation%20is%20the%20Key%20to%20Successful%20Subrogation&body=https://blog.amequity.com/longshore-insider/article/early-investigation-is-the-key-to-successful-subrogation) - ![Post to LinkedIn](https://blog.amequity.com/hubfs/raw_assets/public/Amequity_Feb2022/images/linkedin-icon.png) - ![Share to Facebook](https://blog.amequity.com/hubfs/raw_assets/public/Amequity_Feb2022/images/facebook-icon.png) - ![Share on Twitter](https://blog.amequity.com/hubfs/raw_assets/public/Amequity_Feb2022/images/Twitter-icon.png) ## About the Author The American Equity Underwriters, Inc. (AEU) delivers specialized coverage and risk management solutions to waterfront employers across the United States. As an industry leader in U.S. Longshore and Harbor Workers’ Compensation (USL&H), AEU also provides state act workers’ compensation, Maritime Employers’ Liability (MEL), marine general liability, and automobile liability for waterfront employers. AEU provides services such as claims handling, loss control, and underwriting, as well as longshore consulting and leadership training to help businesses protect their people and manage risk with confidence. ## Related Topics [Claims](https://blog.amequity.com/longshore-insider/article/tag/claims), [Subrogation](https://blog.amequity.com/longshore-insider/article/tag/subrogation) ## More Resources Nov 25, 2025 #### [Understanding Subrogation Under the Longshore Act: How Employers Can Reduce Claim Costs](https://blog.amequity.com/longshore-insider/article/understanding-subrogation-under-the-longshore-act-how-employers-can-reduce-claim-costs) Aug 25, 2025 #### [Navigating the Claims Process: Why Immediate Reporting Matters](https://blog.amequity.com/longshore-insider/article/navigating-the-claims-process-why-immediate-reporting-matters) Aug 12, 2024 #### [Digital Solutions for Injured Workers](https://blog.amequity.com/longshore-insider/article/digital-solutions-for-injured-workers) Dec 11, 2023 #### [3 Things You May Not Know About Informal Conferences](https://blog.amequity.com/longshore-insider/article/3-things-you-may-not-know-about-informal-conferences) Oct 16, 2023 #### [Time Limit for Filing a Claim](https://blog.amequity.com/longshore-insider/article/time-limit-for-filing-a-claim) ## Legal Disclaimer Views expressed here do not constitute legal advice. The information contained herein is for general guidance of matter only and not for the purpose of providing legal advice. Discussion of insurance policy language is descriptive only. Every policy has different policy language. Coverage afforded under any insurance policy issued is subject to individual policy terms and conditions. Please refer to your policy for the actual language. 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