In America, don't victims of injury caused by other people have to sue to get compensation for their medical bills if they're under-insured? That would mean it'

In America, don't victims of injury caused by other people have to sue to get compensation for their medical bills if they're under-insured? That would mean it's quite helpful to have lawyers offering their services right when you need it. In my country, hospitals will pressure you into taking money from the state accident compensation service when you're injured. So what's the difference? Patients are being informed of the assistance that's available to them. It's weird that targeted advertising is so widely criticized now, but when it was made popular by Google a couple of decades ago (we'll read your email and offer you things that you'll like!), it was hailed as an improvement over the blanket ads that were polluting the internet and of no use to just about anybody. I still think targeted ads are fantastic. Advertisers are doing the leg-work of informing people about how to buy what they want, instead of just cars, shoes, and travel which is what we used to see.