The recession is wreaking havoc in all sectors of the economy. Hit particularly hard has been the insurance sector, where companies continue to search for ways to scale back. As a result of these cuts, frontline adjusters and subrogation collectors are receiving more claims per day than ever, which is having an unintended consequence on bottom lines as the push for disposition undermines quality.

Exacerbating this challenge are the ongoing mergers, acquisitions, downsizing, and consolidation that have dramatically changed the face of business in America. While this permits companies to tout the economic upside to shareholders, there are many economic downsides for those who do not properly meet the challenges presented by this dynamic. Nowhere is this more evident than in subrogation, where increased demands can decrease results. Equally as challenged are claim departments across all lines of insurance, where claims are often closed with missed subrogation opportunities.

Having spent more than 20 years running claim and recovery operations for multiple "Top 10″ property and casualty (P&C) carriers, I am quite familiar with these challenges; in particular the closure of more than 15 percent of all files industry-wide with missed subrogation opportunity.