Why can't Sam sue Nicole for the full amount of his injuries?

In the context of this question, the selection of the answer is based on the principles of subrogation, which occur when an insurance company pays a claim on behalf of the insured and then acquires the right to pursue the responsible party for recovery of the amount paid.

When Sam subrogated his rights to ABC Insurance, it means he transferred his claim against Nicole to the insurance company after receiving payment for his injuries. As a result, ABC Insurance now holds the right to sue Nicole for the recovery of the claimed amount instead of Sam himself. This is why Sam is unable to sue Nicole for the full amount of his injuries—because the right to seek that compensation effectively lies with the insurance company due to the principle of subrogation.

Thus, Sam's inability to sue Nicole for the full amount stems from the legal arrangement that allows the insurer to step into the shoes of the insured to recover funds. This concept is fundamental in insurance claims and helps ensure that insured parties are not receiving double compensation from their insurers and the responsible third party simultaneously.