A waiver of subrogation means that an insurance company has a higher chance of paying out losses that it cannot recover itself. Insurance providers can only subrogate other parties if their client is not responsible for an accident.How does Florida subrogation law work in car accidents? Discover expert guidance on post-judgment insurance subrogation in Florida. Our law firm specializes in maximizing recovery for clients. Are you currently facing a subrogation claim? Here, we explain your potential responsibilities and how a subrogation attorney can help. An insurance company may not subrogate against its own insured or a co-insured. Subrogation can affect the insured victim, but typically, it should not create additional burdens. The goal is to ensure the victim receives fair compensation.