Cozen O'Connor is the world's leading subrogation and recovery law firm. We founded our subrogation and recovery practice in 1970.I just received a subrogation letter from my health insurance. So they say that my young child had an injury that may have happened due to an accident. The tone of a Subrogation Letter should be professional, firm, and clear, but not overly aggressive. Customer: Hello, I recently received a subrogation claim in the mail for a car wreck I was at fault in last year. They say I owe 19,654.40. The Plaintiff, above named, complaining of Defendants, above named, alleges and says as follows: 1. Insurer was not material and thus did not relieve the insurer of its obligation to pay, when the subrogation rights had no value. I recently received a subrogation claim in the mail for a car wreck I was at fault in last year.