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.Thirtythree years of subrogation litigation experience has distilled ten of the most common mistakes which we see clients continuing to make. For more information, you should contact an attorney licensed to practice in the State of Nevada. Eligibility: The Residential Recovery Fund is designed to assist homeowners who have experienced losses due to properly licensed contractors. In Nevada, you can only allege bad faith if you're bringing a first-party claim. Bad faith damages are not available in third-party insurance claims. The Nevada State Contractors Board (NSCB) is an agency that licenses and regulates contractors throughout the State of Nevada. The length of time it takes to complete an insurance claim depends on the details of the related incident. Subrogation Clause Examples.