Claimants must complete the City of Sacramento Claim Form and submit the completed form with all attachments either in person or via mail. Subrogation in California can apply anytime an insurance carrier makes payments to an individual who is not primarily at fault for an accident.It's the process where an insurance company steps into your shoes to recover funds from the party responsible for your injury. California law states your insurance company must file a subrogation claim within three years of the accident that caused your injuries. Bodily injury coverage pays medical expenses for you and passengers. At the heart of any claim is the determination of the cause of the damage and who, exactly, is responsible for causing it. Subrogation is an arrangement between insurance companies to prevent insured parties from receiving double compensation. Find the best insurance claims attorney serving Sacramento. California Department of Social Services. A leading claims and risk management solutions provider, we partner with you to mitigate risk and achieve outcomes that matter most to your ongoing success.