Your insurance company will send the letter requesting details about the accident and your injuries. You have no legal obligations to respond to a subrogation letter.A Subrogation Letter should clearly state the facts of the case, including details of the incident (e.g. Subrogation is an arrangement between insurance companies to prevent insured parties from receiving double compensation. Cozen O'Connor is the world's leading subrogation and recovery law firm. We founded our subrogation and recovery practice in 1970. Items 16 below must be completed (see instructions on page 2). 1. Check one box below for the case type that best describes this case:. 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. The claim form must be accurately completed and signed.