Insurance companies can utilize this letter template to seek reimbursement from the person or entity legally responsible for a loss. The Plaintiff, above named, complaining of Defendants, above named, alleges and says as follows: 1.What is subrogation? Why am I being asked to waive it? As a specific example, an insurance company that did not actually pay out a claim to the policyholder has no grounds for a subrogation claim. Subrogation: "Stepping into the shoes" of another party to assert that party's rights. Can or should I file a Complaint in Mecklenburg County? Please note that the SelfServe Center staff CANNOT provide legal advice. 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.