The Plaintiff, above named, complaining of Defendants, above named, alleges and says as follows: 1. If you have questions about insurance, need to file a complaint or want to report suspected insurance fraud, we can help.A Subrogation Letter should clearly state the facts of the case, including details of the incident (e.g. 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 can file a claim on your own comprehensive or collision coverage, if your policy includes that, and let your company "subrogate" or recover the payment. The insurance company for the good driver would have to bring any subrogation claims directly against the bad driver. Let's go back to our John and Bob example. The Insurance company undervalued my vehicle when settling the total loss claim. ____8. A subrogated insurer may sue in the insurer's own name, or in the name of the insured for the use of the insurer. A formal Petition with appropriate supporting documentation as if it were a complaint in equity must be filed with the Director.