Accidents are inevitable. However, it does not mean that we should forgo our rights. Human error can cause accidents; others caused by factors that are beyond human control, and nothing would be more refreshing than having someone to pay for the medical care. The payment or the compensation does not mean that it would help the injured person, but it would substantially offset the medical bills.
Often the insurance companies have had ways to get away with the injuries; there would be no need for anyone to bear the burden of paying for the same monthly as part and parcel of their bills.