Subrogation: "Stepping into the shoes" of another party to assert that party's rights. What is subrogation?Why am I being asked to waive it? Get the Compensation You Deserve! Expert Charlotte Med-Pay and PIP Lawyer Can Maximize Your Claims. If you are to recover money from a third party in a personal injury claim and the health insurance company has paid for your care they're entitled to be reimbursed. Gov for a printable version. Subrogation occurs when your insurance company pays for an accident, then works to recoup expenses from the at-fault driver's insurer. At the minimum, your subrogation file should contain all elements corresponding to liability determination and proof of damages. Find Local Rules and Forms that provide procedures and guidelines for courts in Mecklenburg County.