Subrogation operates across various insurance contexts, allowing an insurer to pursue reimbursement from the party at fault in a claims settlement. 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.Subrogation is an arrangement between insurance companies to prevent insured parties from receiving double compensation. The subrogation process is the right of an insurance company to recover the amount it has paid on a claim from the at-fault party. If an insurance company filed a subrogation claim for property damage against you, a skilled property damage attorney could can help you. Date of the Medi-Cal member's injury. Subrogation in California can apply anytime an insurance carrier makes payments to an individual who is not primarily at fault for an accident. A waiver of subrogation comes into play when the at-fault driver wants to settle the accident but with your insurer out of the picture. If you receive a subrogation letter, talk to your personal injury attorney about the potential outcomes for your case. Subrogation claims on your personal injury settlement may affect how and when you are paid out.