Subrogation in Arizona personal injury claims: when it's allowed, benefits, and risks of waivers. It's important to note that Arizona law mandates insurance companies to include policyholders' deductibles in their subrogation demands.Arizona is actually an antisubrogation state. The Arizona Court of Appeals recently issued a memorandum that provided a great refresher of the doctrine of equitable subrogation in Arizona. To process the insurance subrogation, you will be asked to complete a type of insurance subrogation questionnaire. If an insurance company filed a subrogation claim for property damage against you, a skilled property damage attorney could can help you. To process the insurance subrogation, you will be asked to complete a type of insurance subrogation questionnaire. Why do the largest insurers in the United States, Canada and the London Market trust us with their subrogation and recovery claims? Any settlement or judgment of the claim of the insured alone shall not affect the rights of the insurer. When another party is primarily at fault for your damages, State Farm may try to recover the amount of the claim paid for your loss.