General Discussion

Otherwise, they are subrogating their claim to themselves.

And, in my experience, they don't ask if I want to sue - they demand information from anyone else who might possibly be liable before they will pay at all. I've had way too many medical claims which were accidents, pure and simple, which they insisted on harassing other innocent parties for. Friends invited my daughter over to ride their horse. The horse literally slipped out from under her so she ended up dropping hard on top of the horse - the hospital wanted to go after the friends to recover for my daughter's chipped ankle. I fell while walking down the sidewalk breaking a rib - they wanted to go after the city. And on and on.