In most cases, when insurance covers a loss, they also subrogate the loss and pursue damages from the responsible party, if feasible...

It's reasonable for the responsible party to pay the damages. And yet, it's a risk, which is why it's common to carry insurance for your own liability (in which case, your insurance usually wouldn't subrogate and sue you)

Telus’ insurance would have a deductible, they can’t claim for every little thing

$1.2m is a drop in the bucket for Telus.