Cozen O'Connor is the world's leading subrogation and recovery law firm. We founded our subrogation and recovery practice in 1970.Subrogation is an insurer's right to recover payments made to you under your insurance policy from a third party who is at fault for the loss. It's the process where an insurance company steps into your shoes to recover funds from the party responsible for your injury. A Subrogation Letter should clearly state the facts of the case, including details of the incident (e.g. After a property loss you must report the damage to your insurance company agent or representative to start the claim process. The remainder likely included left over property damage as well as medical bills. James River Insurance hired Paragon to manage the subrogation claim. If you do not have collision coverage, ask about uninsured motorist property damage coverage. When another party is primarily at fault for your damages, State Farm may try to recover the amount of the claim paid for your loss.