This is very true and just the way lawyers work today to try to get compensation for their clients. Sue everybody even remotely involved hoping somewhere there is a deep pocket that will settle rather than endure the costs and hassle of the legal system. That is why insurance is essential. Absolutely, positively, essential.
Often, it's the insurance companies deciding who to sue. After all, they had to pay out money to cover the accident and they're going to do everything they can to get it back from someone. Paying out claims with money collected from premium payments is only to be used as a last resort, even though permiums go up every time they have to pay out something even if they get their money back from another party. And of course, any excess they get from the suit never gets back to the injured party.