Subrogation is a legal principle that focuses on the right of a third party to step into the shoes of the injured party to recover costs they've paid out. Download this pdf file.Complete the DMA-285 form for any updates or new insurance information that you need to report. Subrogation occurs when one party stands in for another party in a legal claim, usually to claim part of their financial recovery. Thank you for using our online questionnaire. A typical application involves insurance subrogation clauses. A typical application involves insurance subrogation clauses. In Georgia, a personal injury victim is expected to pay a subrogation claim out of any settlement. Insurance companies will avoid paying for an accident if another insurance company should be paying for it. In Georgia, the "Made Whole Doctrine" (O.