Am I missing something here ?
Are the companies in question not insured ?
If they are then they will presumably pass these claims to their insurors. Isn't that why people or companies pay premiums ?
A claim is a potential loss on the policy, and even that is far from a certainty!
Rarely does money properly compensate for injury or the loss of a family member, unfortunetaly it is the only form of redress that is on the table. Whatever the circumstances and however much is or isn't paid to the claimants one thing you can be fairly sure of is that nobody will say sorry !