The Plaintiff, above named, complaining of Defendants, above named, alleges and says as follows: 1. Thank you for using our online questionnaire.Subrogation means your insurance company can recover the money it paid to you for your injury from the at-fault party that caused your injury. You have no legal obligations to respond to a subrogation letter. If you are to recover money from a third party in a personal injury claim and the health insurance company has paid for your care they're entitled to be reimbursed. As a specific example, an insurance company that did not actually pay out a claim to the policyholder has no grounds for a subrogation claim. Subrogation simply means the insurance company recovering what it paid due to another party's conduct. Is Paragon your insurance company or the other party's insurance? Nature of complaint. EXAMPLE: John has car insurance with State Farm.