Insurance providers can only subrogate other parties if their client is not responsible for an accident. How does Florida subrogation law work in car accidents?Discover expert guidance on post-judgment insurance subrogation in Florida. Our law firm specializes in maximizing recovery for clients. A waiver of subrogation means that an insurance company has a higher chance of paying out losses that it cannot recover itself. An insurance company may not subrogate against its own insured or a co-insured. Subrogation is a legal procedure that is most common in accidents where an insured person sustains damage to their property from an uninsured party. If subrogation is not waived, the insurance company can sue the contractor and reclaim the proceeds paid out to the property owner. A waiver of subrogation clause is placed in a contract to minimize lawsuits and claims between parties. Did your accident involve an uninsured or underinsured driver?