The basic idea behind subrogation is that insurers have a right to receive payment for bills that they have paid on behalf of their insureds. Learn about Ohio's subrogation laws and how they affect your insurance claims and recovery process.In other words, subrogation typically involves three parties, including: You; Your insurance company; The other party's insurance company. Subrogation is a legal action that an insurance company (the insurance carrier) takes to recoup the funds paid out in a claim from the atfault party. In Ohio, the subrogation right in the workers' compensation context is only a decade old. This is an example of how subrogation works: EXAMPLE: John has car insurance with State Farm. Bob rear ends John on the road causing damage to John's car. Co., 312 P.3d 976 (Wash. When another party is primarily at fault for your damages, State Farm may try to recover the amount of the claim paid for your loss. Subrogation is how we or a selfinsuring (SI) employer collects medical and compensation costs paid on behalf of an injured worker.
