The Plaintiff, above named, complaining of Defendants, above named, alleges and says as follows: 1. The subrogation letter might be sent directly from your health insurance company or from a second party company that handles their subrogation.You have no legal obligations to respond to a subrogation letter. Here is a practical example of a subrogation. TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD: COME NOW, Defendants SOUTHERN CALIFORNIA EDISON COMPANY and. Customer: Hello, I recently received a subrogation claim in the mail for a car wreck I was at fault in last year. They say I owe 19,654.40. (h) the insurance company's damages can be calculated, generally the amount paid to you. For example, if you were in a minor car accident, the insurance company will pay for the cost of whatever repairs your vehicle needs. The insurance company would need to initiate a legal action to pursue their subrogation claim.