Insurance companies can utilize this letter template to seek reimbursement from the person or entity legally responsible for a loss. Cozen O'Connor is the world's leading subrogation and recovery law firm.We founded our subrogation and recovery practice in 1970. The Plaintiff, above named, complaining of Defendants, above named, alleges and says as follows: 1. The insurance company for the good driver would have to bring any subrogation claims directly against the bad driver. Let's go back to our John and Bob example. HOWE, Justice: Plaintiff Patti Simonson appeals from a judgment dismissing her complaint against defendant Robert Gordon Travis for damages. You have no legal obligations to respond to a subrogation letter. EXAMPLE: John has car insurance with State Farm. Bob rear ends John on the road causing damage to John's car.