Private health insurers are not given subrogation rights in Arizona. This is called subrogation.State Farm will try, to the extent that you're not liable for the accident, to recover all or a portion of the deductible you paid. Cozen O'Connor is the world's leading subrogation and recovery law firm. We founded our subrogation and recovery practice in 1970. At Lippman Recupero, we specialize in helping insurance companies maximize their recoveries on claims where a third party is at fault. Subrogation for health plans. Identify, investigate, recover and prevent inaccurate payments linked to accident-related medical and disability expenses. Not every auto insurance company allows its drivers to sign waivers of subrogation or do anything that can affect its efforts to recover money. If a motor vehicle claim is subject to subrogation, the insured may bring a cause of action separate and apart from the insurer seeking recovery of damages.