Under the ASR, an insured "has no right of subrogation against its own insured for a claim arising from the very risk for which the insured was covered. Subrogation is something that comes up in most Massachusetts car accident cases.Here is an explanation of subrogation claims. Maximize your personal injury claim after a Massachusetts car accident with Bottaro Law Firm's expert guidance on subrogation complexities. When your insurance company pays for a claim, they can assume your right to seek compensation for their loss from a liable third party. I filed with my insurance company, who then pursued subrogation. Subrogation rights; health insurance benefits; garnishment of wages. I live in Massachusetts. My upstairs neighbor caused damage to my unit because of negligence. Auto subrogation aims to prevent this and return these expenses to those notatfault.