Insurance companies can utilize this letter template to seek reimbursement from the person or entity legally responsible for a loss. A subrogated insurer may sue in the insurer's own name, or in the name of the insured for the use of the insurer.The Plaintiff, above named, complaining of Defendants, above named, alleges and says as follows: 1. You have no legal obligations to respond to a subrogation letter. Subrogation Example. This is an example of how subrogation works: EXAMPLE: John has car insurance with State Farm. The book begins with basic information on the various types of insurance, including auto, home, life, annuities and long-term care. A glossary section contains. Customer: Hello, I recently received a subrogation claim in the mail for a car wreck I was at fault in last year. They say I owe 19,654.40.