Auto Physical Damage (APD) Recovery
Cut complexity and offset vehicle claim costs.
Drive Bottom-Line Improvements with Subrogation
Cadex’s APD recovery services help you recover unpaid or underpaid vehicle repair costs and related damages from at-fault parties. Our specialists use disciplined investigation, liability development, and negotiation strategies to identify missed recovery opportunities and challenge denials — helping to offset costs, claim by claim.
Auto Physical Damage 
Loss of Use or Loss of Revenue
Diminution of Value (DOV)
Not-At-Fault Wage Loss
Reduce Leakage in APD
Working with either recent claims or legacy files, our industry veterans close gaps, beat statutes, and provide team relief.
We get you reimbursed for:
- Not-at-fault accidents
- Multi-vehicle incidents
- Split or disputed liability
- Specialized fire investigations
Get Reimbursed for Downtime
LOU can equal or exceed APD (0.25% to 2×), yet 70–80% of claims go unfiled or denied. We overturn denials and recover 90% of viable claims.
We pursue:
- Equipment transfers
- Towing
- Admin costs
- Time vehicles and drivers are off the road
Recoup Lost Vehicle Value
For fleets with new, high-value units, pursuing diminished value improves cash flow. By substantiating these nuanced claims, we capture every possible cent, even after full restoration.
We reclaim:
- Repair-related DOV
- Inherent DOV
- Hidden damage DOV
Recover Lost Income
Like our Worker’s Compeansation and SIF Recovery services, we recapture income when an employee is convalescing after a vehicle accident.
We seek:
- Income replacement
- Non‑earner benefits
- Earning capacity loss
- Self-employed/seasonal wage loss
Maximize Recovery on Not-at-Fault Accidents
We manage subrogation for a wide range of vehicles, fleets, and clients.
Light-duty passenger vehicles Limousines, taxis, and rideshare vehicles Medium-duty vehicles Dealership, rental, bus, and emergency services fleets Heavy-duty trucking and freight vehicles Trucking, distribution, and logistics companies Construction and agricultural vehicles Municipal and government fleetsImprove Your Claim Recovery Performance
Most TPAs and in-house teams don’t have the time, expertise, or incentive to prioritize subrogation. That’s where we step in.
Win More
Cadex achieves 25%+ recovery vs. internal teams.
Control Costs
Clients pay no fees unless recovery is made. Predictable cost model.
Resolve Faster
Cadex reduces cycle time by 20-30% (e.g., by settling 33% of LOU cases on first demand).
Reduce Caseloads & Backlogs
Cadex addresses missed deadlines, staff burnout, and uncollected money.
Face Complexity Head-On
Cadex handles time-consuming multi-party cases and cause and origin.
Recover Everything You’re Owed
Cadex recovers 90% (avg) of LOU claims that have had prior APD recovery.
Get Compensated for Downtime and Loss of Use
Fleet accidents are costly, even when you’re not at fault.
Towing, storage, transfers, and repair coordination not only consume time and resources, but also disrupt operations. When another party caused the damage, you deserve compensation. Cadex has the scalable expertise to uncover and recover the hidden, affiliated costs of an accident; we specialize in loss of use recoveries.
Get Started with a Cost-Free Case Audit
Many companies assume they’ve recovered everything, but our APD and LOU audits prove otherwise. We review historical, closed accident files, identifying overlooked subrogation opportunities — whether $2,500 for a light-duty vehicle or $50,000+ for heavy equipment downtime. Transform your subrogation operations by sending us 10 or 300 cases for a quick review.
How Fleets Are Improving APD Recovery
School Transportation Provider Recovers Millions
Cadex recovered over $5M in overlooked LOU and APD revenue — funds their TPA failed to pursue. This represented a 200% increase compared to their historical recoveries.
Commercial Fleet Recovers Millions Every Year
Cadex audited this client’s nationwide claims, identified missed APD and LOU recoveries, and leveraged state law to secure $1.1M in 2023 and $2.1M in 2024.
Frequently Asked Questions
APD Subrogation — This is allowed in all states, but each state has specific rules on how recovery is handled.
Loss of Use (LOU) — The only state where LOU is generally not recoverable is Michigan.
Diminished Value (DOV) — Most states allow claims for diminished value if the vehicle loses market value after an accident, though the rules and proof requirements vary.
Contact Cadex to confirm what’s recoverable in your caseload and your state(s).
You’re probably leaving money on the table — money that could be used to reinvest in your fleet, employees, or safety programs. Having spare vehicles doesn’t affect your legal entitlement to LOU compensation.
This is a definite possibility. When the situation warrants and availability allows, we can assign a dedicated specialist to your account. This creates consistency, builds strong working relationships, and helps us better understand your preferences and thresholds over time.
When Costs and Caseloads Rise
We Get Difficult Done™
