PIP is required in Arkansas, Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland,. It is only when the plaintiff's recovery exceeds the sum total of the plaintiff's damages that the right of subrogation arises.Cozen O'Connor is the world's leading subrogation and recovery law firm. We founded our subrogation and recovery practice in 1970. Here is everything you need to know about subrogation claims, a type of thirdparty claim. How Long the Process Takes. How subrogation claims work in car accident and personal injury. How long subrogation takes and your rights when car or health insurance seeks to subrogate. Subrogation is pursued as a claim in the name of the insured against the third party or their insurance company. The Department may bring an action in the Superior Court against an alleged third party payor to recover an amount subrogated to the Department for medical.