{"slug":"subrogation-referral","source_name":"subrogation-referral","name":"Subrogation referral screen","description":"Screen a paid or reserved insurance loss for third-party recovery and return a single decision — refer to subrogation or waive — with one reason. Runs the recovery gates in order (liable third party, anti-subrogation bar, collectibility, statute of limitations, made-whole priority, dollar threshold) and waives on the first gate that fails. Use when deciding whether a settled or reserved claim should be pursued against a third party. Do NOT use for coverage determinations on the first-party claim, writing the demand letter, or intake classification of a new loss.","version":1,"lift":{"pass_rate_delta_pts":null,"pass_rate_pct":15.4,"total_cases":13,"passed_cases":2,"tokens_delta_pct":574.9,"turns_delta_pct":0,"verdict":"mixed","benchmark_model":"gemini-3.5-flash","grading_method":"judged","completed_at":"2026-07-10T19:36:32.010026+00:00"},"skill_score":null,"benchmark_models":[{"model":"gemini-3.5-flash","headline":false,"delta_pts":null,"with_pass_pct":null,"without_pass_pct":null,"tokens_delta_pct":574.9,"turns_delta_pct":0,"total_cases":13,"cases_aggregated":13,"verdict":"mixed","never_hurt":true,"completed_at":"2026-07-10T19:36:32.010026+00:00","run_id":"35ea5a8f-ce90-4040-a4ea-0f11e4f5a62e","version_number":1,"is_latest_version":true,"gate":"not_comparable"}],"trust":{"skill_safety":"passed","safety_status":"clean","intent_verdict":"safe","content_status":"clean","indexable":false},"license":null,"install_count":0,"manifest_hash":"f954cc52b5da58814d34366e9f676a94732120e5802bf99ac46dc71f6140c89e","raw_url":"https://app.decimal.ai/s/subrogation-referral/SKILL.md","scorecard_url":"https://app.decimal.ai/skills/subrogation-referral"}