RECREX
Bringing Clarity to Complex Claims

Daniela Badaluta, President and Founder

Daniela Badaluta rarely describes RECREX as a conventional claims company. She talks about flexibility first. Larger organisations, she says, naturally develop layers of structure that make change slower. RECREX has chosen to stay entrepreneurial, giving its teams the freedom to respond quickly, make decisions without unnecessary bureaucracy and adapt to each insurer's way of working.

The flexibility reflects the company's belief that every insurer faces different operational challenges, reporting requirements and customer expectations. Rather than asking clients to adapt to a fixed process, RECREX adapts its approach to fit theirs.

"We're an entrepreneurial company. We adapt, we're flexible and we always look first to the interests of the insurer. We want them to see us as colleagues, not simply as a provider," says Daniela Badaluta, President and Founder of RECREX.

That philosophy shapes every engagement. The company supports insurers from the first notification of loss until a claim is settled, serving as both a third-party administrator and Green Card correspondent. Claims handling sits alongside technical assessments, fraud prevention, legal coordination and portfolio reporting, allowing insurers to work with one experienced team instead of managing several partners across different countries.

Cross-border claims rarely become complex because of a single decision. Complexity arises in the gaps between jurisdictions, data, service providers and responsibilities. For 20 years, RECREX has been built to close those gaps. Named “TPA Insurance Solutions of the Year in Europe 2026,” the company combines entrepreneurial agility, local expertise and technology to give insurers greater control across borders.

Cross-border claims illustrate why that approach matters. A single file can involve different legal systems, repair practices, languages and reporting requirements. Coordinating all those moving parts often becomes as demanding as resolving the claim itself. RECREX acts as the central point of contact, coordinating local correspondents, surveyors, repair workshops and legal specialists while keeping insurers informed through a single relationship. Instead of waiting weeks for fragmented updates, clients receive timely information that helps them make decisions as claims progress.

The company's specialists play a central role throughout that process. Supported by continuous technical training and extensive cross-border experience, they combine local knowledge with consistent reporting, allowing insurers to respond more quickly without sacrificing quality or regulatory compliance.

Looking at Claims Before the Money Moves

"Our approach is proactive, not reactive. We do not check the files after. We check before," she says.

Claims are the moment of truth in insurance. Technology can accelerate decisions, but trust is built through expertise, fairness and human understanding. RECREX combines entrepreneurial speed with the governance, technical depth and cross-border coordination expected by major insurers.

Early reviews often reveal details that would otherwise be missed. Reserve estimates can be adjusted before they affect financial reporting. Suspicious documentation can be examined before payments are released. Recovery opportunities can be identified while evidence is still available. Small issues that appear unrelated at first sometimes point to much larger problems. Finding them early changes the outcome of the claim.

Clients also gain visibility while claims are progressing rather than after they have been closed. Questions are answered sooner, instructions can be issued without delay and decisions are supported by current information instead of retrospective reports. Faster communication helps insurers respond with greater confidence while maintaining a clearer understanding of their overall exposure.

Trust Starts with Independence

Daniela believes commercial independence is just as important as technical expertise. Many correspondent networks calculate their fees as a percentage of the settlement amount. RECREX does not. Its fees are based on the work performed, removing any financial connection between the company's compensation and the size of the claim. Recommendations remain focused on what is right for the insurer because the outcome does not affect RECREX's earnings.

The impact becomes evident in client relationships. Advice carries greater credibility when every recommendation is supported by evidence instead of commercial incentive. Trust grows stronger when insurers know the people handling their claims are guided by professional judgement and not financial interest.

Seeing the Bigger Picture

Individual claims tell only part of the story. A portfolio often reveals patterns that are impossible to recognise from one file alone. Certain regions may begin producing higher claim frequencies. Litigation may increase in particular markets. Similar documentation may appear repeatedly across claims that initially seem unrelated. RECREX studies those trends because they help insurers make more informed business decisions.

Reserve management illustrates that point well. Setting reserves too low creates financial exposure. Setting them too high ties up capital unnecessarily. Maintaining the right balance depends on continuous monitoring and a clear understanding of how claims are developing. Those insights also support discussions around pricing, regional risks and portfolio performance, allowing RECREX to advise clients beyond day-to-day claims administration.

That broader role has gradually changed how insurers view the company.

"They don't see us only as a provider processing claims. They see us as a partner who understands financial exposure, reputation, compliance obligations and the relationship with their own clients," says Daniela Badaluta.

The same philosophy is supported by NYXO by RSoft, the claims management platform used by RECREX to improve visibility while supporting the expertise of claims professionals.

NYXO Works Alongside the Team

RECREX uses NYXO by RSoft to give insurers and claims professionals better visibility while claims are still developing. It supports the people handling claims rather than replacing them, bringing together information that would normally be spread across multiple systems. Professional judgement remains with experienced claims specialists.

Through NYXO, RECREX follows claims from first notification of loss through settlement, bringing reserves, litigation, recoveries and portfolio reporting into a single environment. Clients can review open and closed files whenever they choose instead of waiting for scheduled reports. RECREX's own teams also benefit because everyone works from the same information regardless of where the claim originates.

Artificial intelligence strengthens those capabilities by helping identify relationships across claims, supporting fraud detection, reporting and faster analysis. The platform also provides real-time dashboards that improve visibility across portfolios and help insurers make timely decisions. Technology performs repetitive analytical tasks, while experienced specialists evaluate the findings and determine the appropriate course of action.

Preventing Losses Before They Happen

Fraud remains one of the biggest challenges facing insurers, particularly when claims involve multiple countries and several parties. Daniela believes the best opportunity to stop fraud comes before compensation is issued, not after investigators begin trying to recover money that has already been paid. Early reviews, local knowledge and careful analysis give RECREX the chance to identify warning signs before they become expensive losses.

One investigation from 2023 demonstrates how that process works. An insurer noticed an unusually high number of claims connected to a small town in southern Italy. RECREX reviewed 89 claims linked to the area, more than half involving Green Card business, and quickly realised the concentration was far from typical. Digging deeper uncovered repeated links between Bulgarian driving licenses and Romanian vehicle registrations. Another discovery raised even more questions. Eighty-one (90%) of the insured vehicles had never actually left Romania.

The investigation eventually exposed an organised fraud scheme involving fabricated road accidents, false medical documentation and fraudulent insurance records spanning Romania, Bulgaria and Italy. RECREX coordinated investigators, lawyers and local specialists across all three countries, helping the insurer prevent more than €1.2 million in fraudulent payments. The case reinforced the company's belief that proactive reviews and coordinated expertise are often the most effective safeguards against complex fraud.

Making the Repair Process Simpler

That same approach extends to repair management. Claims do not end with establishing liability or approving compensation. Repair quality, cost control and efficient coordination all influence the overall outcome.

RECREX has developed a repair network that gives policyholders access to workshops familiar with its processes while preserving their freedom to choose where repairs are carried out. Negotiated labour rates, agreed billing arrangements and established quality standards help create greater cost certainty for insurers and a smoother experience for customers.

Legal support follows the same principle. RECREX works with lawyers across multiple European jurisdictions, giving insurers access to local expertise whenever litigation becomes necessary. Claims, technical assessments and legal strategy remain closely connected so decisions are based on a complete understanding of each case.

Beyond Traditional Claims Administration

Insurance claims continue to become more demanding as cross-border travel increases, repair costs fluctuate and organised fraud grows more sophisticated. Daniela believes those challenges require experienced specialists who combine technical expertise with technology, responsiveness and a clear understanding of insurers' broader business priorities.

"Our objective remains always to deliver fair, efficient, technologically grounded and well-documented claim solutions," she says.

Entrepreneurial thinking continues to shape RECREX's approach. Flexibility allows its teams to adapt quickly. Proactive claims reviews help insurers reduce avoidable losses. Commercial independence strengthens trust, while NYXO gives claims professionals faster access to the information they need without replacing their expertise.

Rather than positioning itself solely as a claims administrator, RECREX continues to build relationships based on responsiveness, technical knowledge and practical advice, helping insurers navigate increasingly complex claims while maintaining greater confidence in the decisions they make.