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@adnane Why would the insurance of anyone else payout when a drunk driver is 100% at fault?

@resjudicata In cases where the bus driver clearly isn't at fault, why wouldn't the judge immediately toss it out?

@resjudicata Is that why some jurisdictions choose to mandate a high minimum? Like Canada with it's $1 million minimum liability coverage.

@bbgg As far as I'm aware there's no policy with limits anywhere close to half a billion dollars. How is the remainder covered?

Because just from back of the envelope math, assuming the occupants all survive but are permanently disabled, it could easily take half a billion dollars to raise 50 8 year old kids and a few adults to 80 years old. It seems like this would guarantee bankruptcy for small insurance companies and...