Insurance companies can utilize this letter template to seek reimbursement from the person or entity legally responsible for a loss. The Plaintiff, above named, complaining of Defendants, above named, alleges and says as follows: 1.You have no legal obligations to respond to a subrogation letter. What is subrogation? Why am I being asked to waive it? 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. 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. How subrogation claims work in car accident and personal injury. How long subrogation takes and your rights when car or health insurance seeks to subrogate.