A Subrogation Letter should clearly state the facts of the case, including details of the incident (e.g. Here is an example of a complaint for subrogation.The Plaintiff, above named, complaining of Defendants, above named, alleges and says as follows: 1. 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. You have no legal obligations to respond to a subrogation letter. Discover expert guidance on post-judgment insurance subrogation in Florida. Our law firm specializes in maximizing recovery for clients. If an insurance company filed a subrogation claim for property damage against you, a skilled property damage attorney could can help you. Customer: Hello, I recently received a subrogation claim in the mail for a car wreck I was at fault in last year.