The subrogation letter might be sent directly from your health insurance company or from a second party company that handles their subrogation. As a specific example, an insurance company that did not actually pay out a claim to the policyholder has no grounds for a subrogation claim.This is an example of how subrogation works: EXAMPLE: John has car insurance with State Farm. Bob rear ends John on the road causing damage to John's car. Guarantor shall be subrogated to the rights of Buyer against Seller and Parent and in any collateral for any Obligations with respect to such payment. Customer: Hello, I recently received a subrogation claim in the mail for a car wreck I was at fault in last year. They say I owe 19,654.40. Here, it is undisputed that Lamb executed a form to allow her health insurance benefits to be paid directly to Grady. Item 12 and the "territory" provisions in the Franchise. Agreement describe whether the franchisor and other franchisees can compete with you.