Interactive Map: Laws in All 50 States. Click on a state for a summary of that state's laws affecting or impacting subrogation recoveries.Subrogation is an insurer's right to recover payments made to you under your insurance policy from a third party who is at fault for the loss. You have no legal obligations to respond to a subrogation letter. It's the process where an insurance company steps into your shoes to recover funds from the party responsible for your injury. This 50-state chart summarizes workers' compensation subrogation laws - the most common issues and questions claims handlers face. Users are urged to confirm that the cited law remains current and consult with counsel on specific legal questions. We exist to provide workers' comp insurance to all California businesses. Because we are not for profit, our purpose is different from other insurers. Learn how State Farm may try to recover a claim payment when another party is primarily at fault for your damages.