In subrogation, your insurance company files a claim against the at-fault driver to recover what it paid to you. 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.Cozen O'Connor is the world's leading subrogation and recovery law firm. We founded our subrogation and recovery practice in 1970. Subrogation for health plans. Identify, investigate, recover and prevent inaccurate payments linked to accident-related medical and disability expenses. A Subrogation Letter should clearly state the facts of the case, including details of the incident (e.g. The letter informs you of their right to seek reimbursement from your settlement, as well as what they paid you already and how much they seek to recover. Our subrogation services help clients recover millions on claims each year with a focus on making responsible third parties pay fair compensation. Learn how State Farm may try to recover a claim payment when another party is primarily at fault for your damages.