Cozen O'Connor is the world's leading subrogation and recovery law firm. We founded our subrogation and recovery practice in 1970.United Subrogation Associates offers extraordinary claim recovery services, arbitration services, and subrogation claim management. Learn how State Farm may try to recover a claim payment when another party is primarily at fault for your damages. Subrogation is a legal doctrine that enables an insurance company to step into the shoes of its insured party (the policyholder) after settling a claim. Insurance companies typically systematically handle subrogation to recover costs incurred due to claims paid out to their policyholders. An insurance company "stands in the shoes" of its insured and has no greater right to recover than its insured driver. Subrogation Clause Defined. Yes you can be sued. Apply to Adjuster, Auto Appraiser, Claims Adjuster and more!