In most cases, when insurance covers a loss, they also subrogate the loss and pursue damages from the responsible party, if feasible...
It's reasonable for the responsible party to pay the damages. And yet, it's a risk, which is why it's common to carry insurance for your own liability (in which case, your insurance usually wouldn't subrogate and sue you)
It's reasonable for the responsible party to pay the damages. And yet, it's a risk, which is why it's common to carry insurance for your own liability (in which case, your insurance usually wouldn't subrogate and sue you)