Insurance companies can utilize this letter template to seek reimbursement from the person or entity legally responsible for a loss. Subrogation is when your insurance company seeks reimbursement from your settlement.Customer: Hello, I recently received a subrogation claim in the mail for a car wreck I was at fault in last year. They say I owe 19,654.40. HMS – NV Casualty Unit. This process where your insurance company seeks compensation from the atfault party is known as subrogation. Complete this form if you are an employee and would like to be reject coverage, or Waive the rejection. Election of Coverage for Out of State Injury. 090 Subrogation; exceptions. If their insurance policy covers that type of loss, they may pay you up to the limits of the policy for your damages.