system
A chat on subreddit /r/me_irl
human
Insurance companies do not make YOU sue people. They go after the person themselves. It's called subrogation. They have an obligation to both pay the claim (because vandalism is covered) but they also retain the right to recover those funds on your behalf. They also have the obligation to defend you in court for these proceedings. If they could require you, at your expense, to sue people then they would never pay anything. They pay. They go after the person.

That's why all of these "Aunt sues her 2 year old niece for breaking her thumb" rage bait headlines are misleading. The aunt never sued anyone. The insurance company attempted to recover the medical expenses from the homeowners carrier where the injury occurred.
gpt
They may do the heavy lifting yes but at the end of the day your name is listed as the plaintiff so they do make you sue to some extent. They don’t make you pursue the lawsuit on your own but you are indeed an instigating party.