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. Here's an example of how subrogation works: You are involved in a car accident with an uninsured driver.In Georgia, the subrogation lien is equal to the total amount of workers' compensation benefits actually paid in the claim. Learn how health insurance subrogation works after an accident in Georgia and what your rights are when an ERISA plan seeks reimbursement. In this waiver of subrogation example, the best way to avoid legal complications and protect your rights would be to seek legal assistance. An Example of Simple Auto Accident Subrogation. Let's say, for example, you were just in a car accident that was not your fault. When can a subrogation come into play? Let's use an example. Subrogation rights allow health insurance companies that cover the initial costs of a third-party injury to claim reimbursement from their policyholders.
