victims pay the penalty instead of law breakers

This article highlights everything that is wrong about our postaccident event management. When insurance is justified in not paying the others involved like the owner,agency, and even accenture should be held liable and apportioned compensation be paid to the victim.
There is a huge lacuna in our Motor vehicle insurance information. It would be a great public service if BM does an article on the exact coverage of third party, comprehensive and the insurance requirements for commercial vehicles etc.
When there are 900 deaths on Bangalore roads and 9000 injuries we cannot sit idle while lives are put to extreme hardship because a few do not follow rules. But they are willing to engage in making money by short cuts.
http://www.bangaloremirror.com/article/10/20110905201109050034092267f3c170f/Does-your-cab-driver-have-a-valid-licence.html