Here is a practical example of a subrogation. Subrogation is an arrangement between insurance companies to prevent insured parties from receiving double compensation.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. A Subrogation Letter should clearly state the facts of the case, including details of the incident (e.g. Cozen O'Connor is the world's leading subrogation and recovery law firm. We founded our subrogation and recovery practice in 1970. "Subrogation" refers to the act of one person or party standing in the place of another person or party. The San Jose lawyers at Golden State Lawyers are well-versed in insurance law and ready to help you fight for fair compensation and the coverage.