A waiver of subrogation is a provision that prohibits an insurer from pursuing a third party to recover damages for covered losses. A waiver of subrogation means that an insurance company has a higher chance of paying out losses that it cannot recover itself.The right of subrogation belongs to the insurance company, not the insured. The Arizona Court of Appeals recently issued a memorandum that provided a great refresher of the doctrine of equitable subrogation in Arizona. Legal publisher offering ordinance codification services for local governments, specializing in providing codes of ordinances in print and on the Internet. As an insurance subrogation attorney, Mr. Bonfiglio brings to the table years of representing clients such as Allstate and Encompass insurance companies.