TaxSrv wrote:

They can't sue by themselves; they have to
convince the insured to sue, and turn over any award to the

insurance

company.

I don't think so. An insurance carrier that has paid a claim for

injuries

caused by a third party has every right to sue that third party to

recover

its losses. It's called subrogation, and it's done all the time if

the

underwriter believes there is a good chance of actually collecting.
--
-Elliott Drucker


All well and good, but what of all the auto accidents every day? How
often do drivers receive a bill from the injured party's
hospitalization insurance carrier, under threat of suit for
negligence? Fat chance those people, and the friends they tell the
story to, will consider that company in the future for their
hospitalization coverage.

You say that like most or even a significant portion of insured people
have a choice on who to use for their hospitalization coverage.