Individuals and companies alike can suffer uninsured losses.  Often the lack of insurance coverage does not come to light until a catastrophic event occurs.  Suffering actual losses that far exceed one’s insurance benefit can be devastating.  Subrogation attorneys retained by an insured’s carrier will only seek damages in the amount of the insurance benefit paid.  In such cases, it may be prudent to hire an attorney to seek those damages that surpass any insurance benefit received.