You have no legal obligations to respond to a subrogation letter. Subrogation allows insurance companies to get reimbursement from the at-fault party.Insurance companies can utilize this letter template to seek reimbursement from the person or entity legally responsible for a loss. If an insurance company filed a subrogation claim for property damage against you, a skilled property damage attorney could can help you. 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. A waiver of subrogation endorsement is commonly required to be attached to a commercial general liability (CGL) policy. Here, it is undisputed that Lamb executed a form to allow her health insurance benefits to be paid directly to Grady. Here, it is undisputed that Lamb executed a form to allow her health insurance benefits to be paid directly to Grady. WHEREAS FURTHER, pursuant to O.C.G.A. § 31-11-100 et seq.