You have no legal obligations to respond to a subrogation letter. Insurance companies can utilize this letter template to seek reimbursement from the person or entity legally responsible for a loss.Subrogation is the legal process where The Hartford, as your car insurance company, settles a claim on your behalf. In car accident injury claims, subrogation may be used to recover money from a third party. Learn how an insurer's right of subrogation affects your claim. Subrogation allows an insurer to step into the shoes of the policyholder and file a claim against a third party who caused the damage. Subrogation is an arrangement between insurance companies to prevent insured parties from receiving double compensation. Involve subrogation counsel immediately if the claim is going to be sizeable. All receipts for repairs, parts, towing, hotel, rental, etc. The Plaintiff, above named, complaining of Defendants, above named, alleges and says as follows: 1.