How subrogation claims work in car accident and personal injury. How long subrogation takes and your rights when car or health insurance seeks to subrogate.Fill out the form below about your potential case and a personal injury lawyer will get back to you as quickly as possible. Subrogation is a doctrine of equity. It is the substitution of the first person in the place of the second person, who had a claim upon the third person. The recognition, consideration, negotiation, and resolution of that lien is part and parcel of properly handling the client's claim. You are not under an obligation to pay based simply on the insurance company's claim letter. Research the rationale for their claim. Complete this form if you are a dependent the needs to file a claim for death benefits. Subrogation claims under Insurance §§ 19-505 and 19-506.