Please fill out our contact form to get started! Have you received an insurance subrogation letter after suffering injuries in a car accident?Learn what steps to take to get more money. Virginia law does not permit state regulated health plans to seek reimbursement, but several federal statutes do. Subrogation and liens on personal injury claims generally refer to the right that another party acquires to a portion of any compensation that you receive. Subrogation recoveries shall be shared on a proportionate basis with the insured, unless the deductible amount has been otherwise recovered. 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. Virginia also prevents the medical expense auto carrier from claiming subrogation rights. •. Rules Governing Unfair Claim Settlement Practices. 14VAC5-400-10.