You have no legal obligations to respond to a subrogation letter. Subrogation is the process an insurance company uses to recover claim amounts paid to a policyholder from a negligent third party.Insurance companies can utilize this letter template to seek reimbursement from the person or entity legally responsible for a loss. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. It's the process where an insurance company steps into your shoes to recover funds from the party responsible for your injury. IMPORTANT: if the certificate holder is an ADDITIONAL INSURED, the policyĝes) must be endorsed. The Plaintiff, above named, complaining of Defendants, above named, alleges and says as follows: 1. Please fill out the following form: COPE Form. Please fill out the following form: COPE Form. Subrogation begins after your claim is closed.