Subrogation means your insurance company steps into your shoes after they've paid out a claim. Insurance companies can utilize this letter template to seek reimbursement from the person or entity legally responsible for a loss.Subrogation is a legal concept that often comes up in the personal injury context after a settlement agreement has been reached. A subrogated insurer may sue in the insurer's own name, or in the name of the insured for the use of the insurer. The Plaintiff, above named, complaining of Defendants, above named, alleges and says as follows: 1. Complaint sample. PDF. Complaint fill in. PDF. A notice of claim must be filed in writing. If an insurance company filed a subrogation claim for property damage against you, a skilled property damage attorney could can help you. For example, if you were in a minor car accident, the insurance company will pay for the cost of whatever repairs your vehicle needs.