The standard for recovery in Georgia is often referred to as "made whole," or in other words, "fully and completely compensated. 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.Georgia N N MED PAY: No direct subrogation against third-party. O.C.G.A. § 33-24-56.1(e). Georgia has long been the bane of a subrogation professional's existence. The Georgia Made Whole doctrine is a legal rule that states an injured plaintiff must receive compensation for all losses. What is subrogation? Users are urged to confirm that the cited law remains current and consult with counsel on specific legal questions. Subrogation occurs when one party stands in for another party in a legal claim, usually to claim part of their financial recovery. See O.C.G.A. § 33343.