The State Health Plan has the right of subrogation upon its injured members' right to recover from any other liable party. 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.North Carolina, however, is unique, as the state strictly prohibits subrogation clauses in privately funded health insurance policies. The United States and the State of North Carolina shall be entitled to shares in each net recovery under this section. Here is everything you need to know about subrogation claims, a type of thirdparty claim. How Long the Process Takes. State Farm will try, to the extent that you're not liable for the accident, to recover all or a portion of the deductible you paid. § 44A-18(d) – Subrogation rights do not extend to subcontractors and suppliers more remote than third-tier. A waiver of subrogation comes into play when the at-fault driver wants to settle the accident but with your insurer out of the picture. North Carolina law and claims all rights of subrogation to which he is entitled under Part 2 of.