My friend fell off our zipline, hit a metal beam under it and broke a few bones. Does she have to sue when she already has health insurance?

She is my new girlfriend and we each had about 4 or 5 beers. I have a zipline over a pond we were riding. On her fourth ride down she lost her grip and fell unfortunately onto a metal beam under it. She broke numerous bones and was airlifted out of here. She was hospitalized a couple of weeks and had surgery. From there she went to a rehabilitation center while recovering from her injuries. She has health insurance. I have no type of insurance at all. Herm insurance c ompany is now suing me. She says it was all her fault. Does she have a voice as to whether or not to continue on with the lawsuit or can she just tell her insurance co. to pay what they will and she would be responsible for the rest? And if she cant pay the rest herself, wouldn't she just be in debt then. She owns her home but they couldn't take it from her could they?