A Subrogation Letter should clearly state the facts of the case, including details of the incident (e.g. The Plaintiff, above named, complaining of Defendants, above named, alleges and says as follows: 1.Subrogation simply means the insurance company recovering what it paid due to another party's conduct. Here is a practical example of a subrogation. If an insurance company filed a subrogation claim for property damage against you, a skilled property damage attorney could can help you. Subrogation means your insurance company can recover the money it paid to you for your injury from the at-fault party that caused your injury. This form is designed as a general form for use with respect to all claims. Some of the questions may not be applicable to your particular claim.