Subrogation is when your insurance company seeks reimbursement from your settlement. It is only when the plaintiff's recovery exceeds the sum total of the plaintiff's damages that the right of subrogation arises.Cozen O'Connor is the world's leading subrogation and recovery law firm. We founded our subrogation and recovery practice in 1970. PIP reimbursement is now governed under the same rules and limitations as Med Pay subrogation. Here is everything you need to know about subrogation claims, a type of thirdparty claim. How Long the Process Takes. A subrogation recovery must be shared on proportionate basis with first-party claimant, unless deductible amount has been otherwise recovered. Meridian is now part of Carelon Insights. VA Subrogation – Request VA Medical Bills.