A Subrogation Letter should clearly state the facts of the case, including details of the incident (e.g. If an insurance company filed a subrogation claim for property damage against you, a skilled property damage attorney could can help you.Simply put, subrogation insurance protects you and your insurer from paying for losses that aren't your fault. Subrogation Example. This is an example of how subrogation works: EXAMPLE: John has car insurance with State Farm. Here is everything you need to know about subrogation claims, a type of thirdparty claim. How Long the Process Takes. The Plaintiff, above named, complaining of Defendants, above named, alleges and says as follows: 1. Person who requested coverage and filled out the application) first. For example, in State Farm Mutual Automobile Insurance Company v.