Almost every injury case involves liability insurance only so just about all personal injury settlements come exclusively from insurance proceeds. The person who caused the injury does not come out-of-pocket any money. In situations where a passenger is injured and the wreck is the fault of the driver of the same car, I have brought cases against friends of my clients. Those friends have never personally paid a dime and, to my knowledge, have never resented their friends for bringing the claim as that is why they have insurance--to pay for their mistakes.