A Subrogation Letter should clearly state the facts of the case, including details of the incident (e.g. A subrogated insurer may sue in the insurer's own name, or in the name of the insured for the use of the insurer.The Plaintiff, above named, complaining of Defendants, above named, alleges and says as follows: 1. Yes, you typically must reimburse your health insurance company when you receive compensation from the atfault party's insurer. If an insurance company filed a subrogation claim for property damage against you, a skilled property damage attorney could can help you. What is subrogation? Why am I being asked to waive it? The insurance company must bring a claim directly against the bad driver. King then filed a complaint in the McMinn County action. The volunteer defence has its origins in the historic English case of King v.