A subrogation claim is the process in which a party that was not involved in an accident seeks financial compensation for a party that was involved. The presenters discuss several real-life subrogation cases sharing the claim details, photographs and settlement amounts.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. How insurance companies can avoid being stuck with the bill when their insured customers unknowingly releases your claim. Identify, investigate, recover and prevent payments linked to accident-related medical and disability claims with Optum Subrogation Services. A subrogation letter is a written document that contains the terms of the subrogation and the pursuit of a claim against the third party. Subrogation letters allow the insurer to pursue claims against the 3rd party at fault for accidents. So how insurance providers handle this? Subrogation is a civil procedure in law. Personal injury subrogation.