What is subrogation? Why am I being asked to waive it?A waiver of subrogation is a legal endorsement that prevents an insurer from recovering the money they've paid out on a claim from a negligent third party. A waiver of subrogation relinquishes your right of subrogation. Subrogation (sometimes shortened to "subro") is a way to protect you and your insurance company from paying for a car accident that wasn't your fault. 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. If an insurance company filed a subrogation claim for property damage against you, a skilled property damage attorney could can help you. Subrogation is the right of an insurer to pursue the party that caused the loss to the insured in an attempt to recover funds paid in the claim. You have no legal obligations to respond to a subrogation letter.