This fact sheet discusses your rights and duties in Utah when you file a third-party claim with another driver's insurance company. Cozen O'Connor is the world's leading subrogation and recovery law firm.We founded our subrogation and recovery practice in 1970. We provide the complete spectrum of subrogation services, from case identification, to investigation, to recovery. The Made Whole Doctrine Generally. Here is everything you need to know about subrogation claims, a type of thirdparty claim. How Long the Process Takes. Insurance company may obtain reimbursement out of a third-party recovery. If another party is determined to be at fault in the accident, the insurance carrier can then attempt to recover from that party. 1969). If the insured assigns its entire cause of action to the insurer, only the insurer may recover from the responsible party, even if the insurance.