E-Subro Hub Frequently Asked Questions

1. What are the benefits of E-Subro Hub as a Demander?
2. What are the benefits of E-Subro Hub as a Responder?
3. Does it cost anything to use E-Subro Hub?
4. Is there an agreement for E-Subro Hub?
5. Can we use E-Subro Hub to send demands only (and continue to receive inbound demands via fax or mail)?
6. How do inbound demands get to the adjusters who are handling the claim?
7. Can a demand be moved to arbitration?
8. What training resources does AF make available for new members?
9. If I offer the Demander less than what they are seeking, due to a negligence or damages issue, can the Demander "Accept" the offer and also file arbitration to recover additional monies?
10. What is a Reduced Payment action?

1. What are the benefits of E-Subro Hub as a Demander?
    
   • Subrogation-related expenses such as mailing, faxing, printing, and copying are eliminated.
   • All supporting documentation is sent electronically.
   • Unproductive phone calls (inbound and outbound) are reduced, as members can negotiate and share information electronically.
   • Cycle time (demand issued to closed) can be reduced by as much as 40%.
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2. What are the benefits of E-Subro Hub as a Responder?
    
   • Demands are received electronically, so there is no need to scan a demand package into the claim system.
   • Members can interface electronically through E-Subro Hub, eliminating many unnecessary phone calls, freeing up adjusters' time so they can focus on their own policyholders.
   • The documents that are included with a demand are all converted to PDFs and are typically original-quality documents. This makes reviewing an inbound subrogation claim much easier.
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3. Does it cost anything to use E-Subro Hub?
    
   • No, AF is a not-for-profit organization that exists to serve the industry. E-Subro Hub is offered to AF's members at no cost.
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4. Is there an agreement for E-Subro Hub?
    

   Arbitration Forums, Inc.
   Attn: Membership Services
   3820 Northdale Boulevard, Suite 115
   Tampa, Florida 33624

    

   • Yes, an authorized officer of the company must sign the agreement. The signed agreement should be mailed to:
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5. Can we use E-Subro Hub to send demands only (and continue to receive inbound demands via fax or mail)?
    
   • No, E-Subro Hub members agree to issue and receive demands through the system. This ensures the members receive the full benefit of E-Subro Hub.
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6. How do inbound demands get to the adjusters who are handling the claim?
    
   • E-Subro Hub members must have an individual in place to handle the routing of new inbound demands. The routing role, while very straightforward, is critical, as all new inbound demands need to be assigned to the correct adjuster or team owning the file. Keep in mind, demands received through E-Subro Hub are demands that would have formerly arrived via mail or fax. Receiving them electronically is more efficient and reduces costs related to mail handling and scanning the demand package into your claim system.
   • NOTE: When explaining the routing role to a prospective member, it is important to point out that routing demands is a clerical role typically handled by someone who is already in a clerical role for the company.
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7. Can a demand be moved to arbitration?
    
   • Yes, anytime during the negotiation process the Demander can move the case to arbitration if a liability and/or damages settlement cannot be reached.
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8. What training resources does AF make available for new members?
    
   • Tutorials and Instructional Aids can be found on the E-Subro Hub Training Resources Web page. In addition, we offer training webinars--one dedicated to issuing a demand and another dedicated to responding to a demand. Please visit our Training Webinar Web page for the course schedule.
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9. If I offer the Demander less than what they are seeking, due to a negligence or damages issue, can the Demander "Accept" the offer and also file arbitration to recover additional monies?
    
   • In the current system configuration, clicking "Accept" confirms you are accepting Liability and Damages at the current negotiation and this action will be a matter of record in the demand activity log. Should arbitration be filed to recover an additional balance, record of having accepted an offer can be submitted as evidence for consideration by the arbitrator.
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10. What is a Reduced Payment action?
     
    • The Reduced Payment is a response-side negotiation action to facilitate the regular practice of paying the undisputed amount of a claim/making a payment for less than what was demanded. For more information about reduced payments, read our Reduced Payments FAQs.
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