In subrogation, your insurance company files a claim against the at-fault driver to recover what it paid to you. Cozen O'Connor is the world's leading subrogation and recovery law firm.We founded our subrogation and recovery practice in 1970. You have no legal obligations to respond to a subrogation letter. 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 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 subrogation letter might be sent directly from your health insurance company or from a second party company that handles their subrogation. It's the process where an insurance company steps into your shoes to recover funds from the party responsible for your injury. When an accident occurs, you must promptly notify your insurer and keep them up to date on any legal action you are taking regarding the case. Please complete and sign Claim Form CD-1.