In subrogation, your insurance company files a claim against the at-fault driver to recover what it paid to you. When does subrogation recovery occur?Generally, 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. Subrogation letters mean your health insurer knows you had an accident. Subrogation is the insurance company's right to try to recover a claim. Learn how State Farm may try to recover a claim payment when another party is primarily at fault for your damages. Subrogation in a workers' compensation case occurs when another party can secure a portion of your workers' compensation benefits. Through a subrogation claim, your insurer can then sue the atfault party to recover the amount they paid for your damages. Prepares cases for litigation and subrogation recovery. If you had to pay your deductible, our subrogation team will attempt to recover your deductible from the responsible party as well.