It describes how an insurance company or an entity that pays medical expenses on behalf of an injured person has a right to be reimbursed for any payments made. This is called subrogation.State Farm will try, to the extent that you're not liable for the accident, to recover all or a portion of the deductible you paid. Subrogation is when your insurer seeks reimbursement for your claim from a third party. Learn more about subrogation and how it applies to car insurance. Choose The Law Office of Stephen Barker. Cozen O'Connor is the world's leading subrogation and recovery law firm. We founded our subrogation and recovery practice in 1970. If an insurance company filed a subrogation claim for property damage against you, a skilled property damage attorney could can help you. Insurance Subrogation and Recovery.