California law states your insurance company must file a subrogation claim within three years of the accident that caused your injuries. Subrogation is an arrangement between insurance companies to prevent insured parties from receiving double compensation.Subrogation in California can apply anytime an insurance carrier makes payments to an individual who is not primarily at fault for an accident. In workers' compensation claims, subrogation may allow an insurer or employer to recover costs paid from another party. The subrogation process is the right of an insurance company to recover the amount it has paid on a claim from the at-fault party. Gov or call (916) 875-7746. In California, Sections 3850 through 3865 of the Labor Code govern workers' compensation related subrogation claims. Filing a Subrogation Claim. Subrogation is a critical concept in insurance claims, particularly when it comes to personal injury settlements in California. Instead, reach out to your car accident attorney immediately to provide a copy of the letter and any information about the claims you made.