Certain subrogation provisions and limitations upon recovery in hospital, medical, etc. Have you received an insurance subrogation letter after suffering injuries in a car accident?Learn what steps to take to get more money. Thank you for using our online questionnaire. If you do not have an attorney complete the following: NAME OF INSURANCE COMPANY_______________________________________________________________. Unlike other states, Virginia has laws that prohibit health insurance contracts issued in our commonwealth from having a subrogation clause in their contract. 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. Example: auto insurance, home owners insurance, etc. N. N. MED PAY: Virginia law prohibits inclusion of bodily injury subrogation clauses in automobile insurance policies.