When patients arrive at emergency departments after car accidents, workplace injuries, or slip-and-fall incidents, someone other than the primary health insurer may be responsible for the bill. Third-party liability coverage — auto insurance, workers' compensation, or premises liability policies — typically reimburse at rates up to 40% higher than those of standard healthcare payers. The catch: finding that coverage is time-consuming, manual, and often falls through the cracks.

For software developers building billing platforms, patient engagement tools, or RCM solutions, automated third-party liability discovery helps customers capture revenue they’re currently missing out on. Here's what it brings to the table.

Find Coverage Fast

Manual third-party liability investigation means phone calls, patient questionnaires, and hours of digging. Automated discovery tools typically return results within 48 hours, which is critical for injury claims, where payers often limit coverage to a fixed pool of funds. Filing early protects your customers' position in the reimbursement queue.

Route Claims to Higher-paying Payers

According to Intellivo, 56% of motor vehicle claims aren't properly coded for auto policies. That means providers are leaving significant revenue on the table by billing primary health insurance instead of the liable third party. Proper routing sends claims where they'll generate the highest return.

Catch What Manual Searches Miss

Even experienced billing teams can overlook coverage. Automated tools find up to 300% more third-party liability coverage than manual methods, converting accounts that would otherwise be written off as self-pay into billable claims.

Give Customers a New Revenue Stream

With hospitals carrying nearly $745 billion in uncompensated care since 2000, every recovered dollar matters.¹ Third-party liability discovery creates an opportunity for your platform customers to capture revenue without overhauling their existing processes and for you to deliver measurable ROI that drives retention.

The ZOLL AR Boost® Third-party Liability Discovery solution integrates into existing tech stacks to automate the process from identification to claim routing. To learn more about what it can do for your platform — and for your customers — download the tip sheet.

1 American Hospital Association website, February 2022, https://www.aha.org/fact-sheets/2020-01-06-fact-sheet-uncompensated-hospital-care-cost. Accessed 15 Jan. 2026.