Outrageous billing aside, the problem here is that the insurer can foist expenses on its policyholders rather than pursuing third parties themselves. We'd see a

Outrageous billing aside, the problem here is that the insurer can foist expenses on its policyholders rather than pursuing third parties themselves. We'd see abuses like this evaporate if insurers were compelled to do their own recovery. Think a third party is responsible? Ok, sue them.