Yes and no. Technically, all lawsuits are filed against the actual wrongdoers. But the lawyers that defend the wrongdoers and the settlements or judgments that are eventually paid, are all paid for by their insurance companies. For example, if you were seriously injured in a car crash while riding as a passenger in your neighbor’s car, and you filed a lawsuit, the lawsuit would be filed against your neighbor but her insurance company would pay for her lawyer and would pay any settlement or judgment.