Discover expert guidance on post-judgment insurance subrogation in Florida. Our law firm specializes in maximizing recovery for clients.A waiver of subrogation means that an insurance company has a higher chance of paying out losses that it cannot recover itself. Insurance providers can only subrogate other parties if their client is not responsible for an accident. How does Florida subrogation law work in car accidents? A waiver of subrogation is an agreement where you waive the right for your insurance company to seek compensation from a negligent third party for their losses. Under the ASR, an insured "has no right of subrogation against its own insured for a claim arising from the very risk for which the insured was covered. Laws regulating Waivers of Subrogation vary from state to state. In the State of Florida, waiver of subrogation is permitted. One benefit of subrogation waiver is that the insured party collects the proceeds as a result of loss and does not have to engage in litigation.