Subrogation can complicate personal injury settlements. An attorney can explain how subrogation can affect the outcome of your case.If you are to recover money from a third party in a personal injury claim and the health insurance company has paid for your care they're entitled to be reimbursed. To fill out this document, first read through the entire memorandum carefully. Next, identify the sections that apply to your situation or claim. These include emergency room visits, hospital visits, and followup care. You can fight a subrogation claim for property damage, but it can be a challenge. Fulton was a litigation associate at a national subrogation firm based in Philadelphia, Pennsylvania. Subrogation is the right of an insurer to pursue the party that caused the loss to the insured in an attempt to recover funds paid in the claim. When you file a claim, your insurer can try to recover costs from the person responsible for your injury or property damage.