ACM's Powerful Approach is a Windfall for Clients
Clients love the additional recovery dollars upfront to boost budgets and maximize cost recovery.
Fixed Sum Program
Comprehensive review of your claims portfolio to uncover uncollected dollars from past accidents. Our proprietary audit methodology identifies recoverable claims that others have missed or abandoned.
- •Review of 9 months or older.
- •Identify previously unrecovered damages
- •Advance cash payout based on estimated value in claims
- •Average yield is 20% more than previously collected
- •Cash is received within 14 days of document transfer
- •Can schedule quarterly audits to maximize recovery
Typical Results
Why it works...
While internal teams and TPAs provide broad processing coverage, for 30 years ACM has specialized in deep-dive claim audit expertise which maximizes cost recovery.
Deeper Audits and Proprietary Methods
Our specialized approach goes beyond surface-level reviews to uncover recoveries others miss.
Pay Only For Performance
We are so confident in our capabilities that we will pay you upfront for your eligible claims.
Leverage from Focus and Size
Independent from Big Insurance, we consider all damage to your business (tort law), not just PD (traditional subrogation).
How ACM Compares
| Service Aspect | Broker | In-house | TPA | The ACM Advantage |
|---|---|---|---|---|
| Audit Depth | Limited; Pass thru to carrier | Good, but argue not-at-fault claims less frequently | Broad Service, Not Deep Service | Strategic claims analysis at point of Demand |
| Fee Structure | Deductible and Premium Increase | Internal labor cost | Fixed 20-25% of All Claim Proceed | PD is FREE; ONLY pay on Added Value |
| Specialization | Traditional subrogation | Not a primary focus | All lines of claim processing/service | Single focus on Fleet Damage Recovery |
| Recovery above PD | 0-3% | 20% | 0-3% | 30-100% |
| Client Service | Retention Focused | n/a | Call center | Highly Motivated |
| Other | n/a | n/a | n/a | Less Headache; No deductibles; Lower Insurance Premiums |
Audit Depth
Fee Structure
Specialization
Recovery above PD
Client Service
Other
We Know Your Market
ACM has deep expertise in the commercial fleet industry. We understand your challenges because we've been solving them for over three decades.
U.S. Companies
with 100+ vehicle fleets
Years Experience
in fleet subrogation
Total Recovery
for 2,000 vehicle fleets
Success Rate
on dormant claims
Industry Authority & Recognition
Trusted by Fortune 500 fleets - Our client portfolio includes some of the largest commercial fleet operators in North America.
Industry conference speaker - Regular presenter at major fleet management and insurance conferences.
Published expertise - Thought leadership articles in Fleet Owner, Heavy Duty Trucking, and other industry publications.
Client Success: Telecom Industry
Challenge:
19,000-vehicle telecom fleet struggling with manual claims processes, staff turnover, no tracking system, and missed billing components like loss of use charges.
ACM Solution:
Deployed comprehensive recovery strategy with expert subrogation, claims tracking, and documentation services—capturing previously overlooked billing items.
Result:
$250k net recovery at 41.75% recovery rate. Dormant claims achieved 63.15% recovery. Freed internal staff from manual tasks and captured dollars never billed before.
Why Large Fleets Choose ACM
The TPAs and captives offer broad claim processing capabilities for all types of insurance claims. Their fee structure is paid as a percentage of overall proceeds. ACM niche, performance-based focus allows for a more thorough audit, unleashing additional damage recovery dollars missed by "claim flow" focused TPAs.
Focus on physical and ancillary damages to fleet vehicles
Handle fleets from 100 to 10,000+ vehicles
ACM compliments and enhances existing internal teams
Trusted by Industry Leaders
See why fleet operators across North America choose ACM for their most challenging recovery needs.
ACM's dormant audit program uncovered $800K in recoveries we thought were lost forever. Their forensic approach to claims analysis is unlike anything we've seen from traditional TPAs.
The advance program transformed our cash flow. Instead of waiting 12-18 months for recoveries, we get funds upfront and let ACM handle the collection risk. It's been a game-changer for our operations.
Real Results from Real Clients
Multi-State Fleet
3,500 vehicles • Fixed Sum program
Regional Carrier
1,800 vehicles • Fixed Sum program
Logistics Company
900 vehicles • Fixed Sum program
Trusted by Leading Fleet Operators
* Company names shown with permission. Additional client references available upon request.
Industry Recognition
NAFA Fleet Management Conference • Transport Topics Events
Fleet Owner Magazine • Heavy Duty Trucking • Risk Management
Excellence in Fleet Services • Outstanding Recovery Performance
Ready to Unlock Your Fleet's Hidden Recoveries?
Don't let unfinished claims drain your profitability. Let ACM's Fixed Sum program transform your recovery strategy.
Book Your Audit Consultation
Get a comprehensive assessment of your recovery potential. Our experts will review your claims portfolio and identify opportunities for immediate improvement.
- ✓Free 30-minute consultation
- ✓Portfolio assessment
- ✓Custom recovery strategy
- ✓No upfront commitment
Every Day Costs You Money
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