Insurance companies can utilize this letter template to seek reimbursement from the person or entity legally responsible for a loss. If insurance benefits were paid on your behalf, then you must account for subrogation in the event you collect any money on your case.Auto insurance subrogation is a process where your insurance company compensates you first, then seeks reimbursement from the at-fault party to an accident. If you have health insurance and receive a subrogation letter, it's in your best interest to contact a Fort Worth claims attorney. Cozen O'Connor is the world's leading subrogation and recovery law firm. We founded our subrogation and recovery practice in 1970. Subrogation is a common process in which your insurance company gives you money for your damages upfront, then goes up against the defendant for reimbursement. The insurance contract ordinarily requires the insured to cooperate with the insured in the insurer's investigation of a claim under the contract. The Bassett Firm, based in Dallas, represents insurers facing subrogation, as well as insurance coverage and insurance defense disputes. For example, if you were in a minor car accident, the insurance company will pay for the cost of whatever repairs your vehicle needs.