It is the process that an auto insurance company uses to recover the money it paid for any claims where another party is responsible. Cozen O'Connor is the world's leading subrogation and recovery law firm.We founded our subrogation and recovery practice in 1970. Understanding the parameters of loss of use vehicle claims can make the difference between a large subrogation recovery and no recovery at all. Learn everything you need to know with this helpful Reimbursement and Subrogation Claims fact sheet from our experienced Boston lawyers. When an insurance company files a claim against an atfault third party to recover its costs, it is a subrogation claim. A medical lien is a demand for repayment from your injury case for any medical bills your health insurance company paid that were related to an injury lawsuit. The deductible is the amount a patient needs to pay out-of-pocket before a health insurance plan starts to pay for covered services and providers. Subrogation rights; health insurance benefits; garnishment of wages. Auto subrogation has its benefits even if you don't get in an accident.