Learn how State Farm may try to recover a claim payment when another party is primarily at fault for your damages. Cozen O'Connor is the world's leading subrogation and recovery law firm.We founded our subrogation and recovery practice in 1970. Personal Injury Protection (PIP) provides benefits for medical expenses and three years of wage loss. You have no legal obligations to respond to a subrogation letter. Subrogation for health plans. Identify, investigate, recover and prevent inaccurate payments linked to accident-related medical and disability expenses. Seeking recovery from a third party for an insurance claim? Contact THE WOLF LAW FIRM at 866-820-9574 to learn about our insurance subrogation services. Subrogation allows auto insurance companies to pay on their claims faster.