Mountainhawk98

"Hate Speech" is the speech that needs the most protection, not the least.

Almost certainly. The health insurer has the right to subrogate against his friend, and OP will have to cooperate with that effort or risk having to reimburse the health insurer himself.

Do you get health insurance? Do you have a pension? Those things are major costs to the taxpayers, and particular the pension is generally not available to people employed in the private sector. Your $13.60 an hour could easily be more like $20-25 after accounting for the pension/health insurance.