The idea of claim subrogation is to obtain reimbursement for your losses quickly and to prevent you from recovering your damages more than once. Recovery: The insurer seeks reimbursement from the responsible third party or their insurer.Understanding the parameters of loss of use vehicle claims can make the difference between a large subrogation recovery and no recovery at all. The foundation of an effective subrogation and recovery program is having a process in place to conduct timely, accurate, and cost-effective investigations. When an insurance company files a claim against an atfault third party to recover its costs, it is a subrogation claim. A waiver of subrogation prevents an insurer from seeking recovery from a third party for damages paid. Recovery operations play a vital role in the insurance industry. For example, if you're in a car accident that wasn't your fault, your insurance company will pay your claim. Should the insurance company notify you that your case is in subrogation, it means they are pursuing payment for your accident from the at-fault party. 3d 1048 (9th Cir. 2007)).