Learn how State Farm may try to recover a claim payment when another party is primarily at fault for your damages. Cozen O'Connor is the world's leading subrogation and recovery law firm.We founded our subrogation and recovery practice in 1970. 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. An action to recover amounts paid out on a personal injury claim must be brought in the name of the insured, who is the real party in interest. Subrogation for health plans. Identify, investigate, recover and prevent inaccurate payments linked to accident-related medical and disability expenses. Most automobile insurance policies require their insured to pay a deductible when a claim is made. The recovery process isn't limited to just insurance companies. Often, the injured party's attorney plays a role in the subrogation process.