You have no legal obligations to respond to a subrogation letter. • Example: 2004 Ford F150 starts on fire and burns up in driveway.Faulty alternator is cause. Your insurance company will send the letter requesting details about the accident and your injuries. If an insurance company filed a subrogation claim for property damage against you, a skilled property damage attorney could can help you. Here's an example of how auto subrogation works: You get rearended and the other driver is at fault. Subrogation is a legal process that allows your car insurance company to recover money from the atfault party or their insurer. Learn how State Farm may try to recover a claim payment when another party is primarily at fault for your damages. EXAMPLE: John has car insurance with State Farm. Bob rear ends John on the road causing damage to John's car.