The tone of a Subrogation Letter should be professional, firm, and clear, but not overly aggressive. 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.You have no legal obligations to respond to a subrogation letter. Subrogation is a legal concept that often comes up in the personal injury context after a settlement agreement has been reached. 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. EXAMPLE: John has car insurance with State Farm. Bob rear ends John on the road causing damage to John's car. For example, in State Farm Mutual Automobile Insurance Company v. Ford Motor Company, 13 Misc.