Abstract: A method includes receiving in a computer an electronic file that represents a claim paid by an insurance company. The electronic file indicates whether the claim involves another insurance company, and whether the other company has admitted or is likely to admit liability for the claim. The computer makes a triage decision to send a demand letter to the other company and then defer action if the other insurance company is likely to admit or has admitted liability. Otherwise, the computer sends the demand letter and routes the file for immediate follow-up.