National Insurance Co. Ltd. Has paid a claim to an individual for damage to their vehicle.A Subrogation Letter should clearly state the facts of the case, including details of the incident (e.g. If an insurance company filed a subrogation claim for property damage against you, a skilled property damage attorney could can help you. You have no legal obligations to respond to a subrogation letter. How subrogation claims work in car accident and personal injury. How long subrogation takes and your rights when car or health insurance seeks to subrogate. 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. The Plaintiff, above named, complaining of Defendants, above named, alleges and says as follows: 1.