The concept of subrogation can be difficult for some tograsp. It involves looking at a loss with an entirely differentlens to see what others may not when it comes to cause and originfor an event. Unless investigators are aware that subrogation couldplay a role in a loss, they may remove critical evidence or fail topreserve valuable product information.

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With so many manufacturers contributing “parts” to create anentire “product” these days, being aware of subrogation issues fora claim becomes much more important. As more new adjusters comeinto the industry, training on what to look for, how to preserveevidence and who should be notified take on a new significance.

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This month we take a look at the role of subrogation — how itbenefits insurers and policyholders, the importance of usingsubrogation principles on a loss and the value of training staffmembers to recognize situations where it applies. Having eitherin-house staff or trusted vendors who can assist in the process canbe the difference between recouping money for a loss or not. Makesure to check out the Claims Subrogation Showcase to learn howsuccessful subrogation efforts are impacting insurers, as well asthe feature on practical tips for subrogation recovery.

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One of our other features connects the dots between insurancefraud, drug cartels and terrorism efforts. As fraud becomes moreglobal, so does its impact. Many of the drug and fraud ringsoperating in the U.S. have oversees ties and the flow of money isbeing used to fund terror efforts in other countries.

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On a lighter note, our cover story looks at insuring classiccars. Yes, some of them are probably nestled in a warm garage forthe winter, but for those lucky enough to live in a semi-tropicalclimate, it's still warm enough to drive around with the top down.As a pastime, collecting cars has grown exponentially over the pastfew years and owners need to understand how their cars are valuedand what insurance will or won't cover.

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As many of us celebrate Thanksgiving in a few weeks, I just wantto thank you for your support of Claims — whether you're a reader,a contributor or an advertiser — we couldn't continue to providesuch an outstanding magazine without your involvement.

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I wish you and your families a time of great food, good footballand a chance to revel in the things that really matter in life.

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