Why can't Sam sue Nicole for the full amount of his injuries after receiving payment from ABC Insurance?

When Sam received payment from ABC Insurance for his injuries, he effectively transferred his rights to seek further compensation from Nicole to the insurance company. This process is known as subrogation, where the insurer takes on the legal rights of the insured after providing payment for a loss. As a result, Sam can no longer sue Nicole for the full amount of his injuries because those rights have been assigned to ABC Insurance. The insurer can then pursue recovery from Nicole on behalf of Sam, which is a common practice in insurance claims to prevent the same injury from being compensated multiple times. This concept reinforces the principle that once compensation is received, the injured party may relinquish their ability to pursue additional claims against the responsible party.