Learn about subrogation rights in Florida, including property damage recovery, policyholder rights, and when to seek legal help. Here is a practical example of a subrogation.Subrogation allows an insurer to step into the shoes of the policyholder and file a claim against a third party who caused the damage. Cozen O'Connor is the world's leading subrogation and recovery law firm. We founded our subrogation and recovery practice in 1970. You have no legal obligations to respond to a subrogation letter. As a specific example, an insurance company that did not actually pay out a claim to the policyholder has no grounds for a subrogation claim. For example, imagine your health insurance paid a medical bill related to your traffic accident. 222 Lakeview Avenue Suite 1250. You may see it in your AARP Auto Insurance policy.