It was generally me or forensic examiners who were responsible for establishing the sequence of events. The paperwork then went 'upstairs' for a decision to be made on what further action to take. Insurance companies were not involved until much later in proceedings and frequently not at all, because there was no policy in force.
Short of a tree, building or aircraft suddenly falling on a vehicle, nearly all accidents are avoidable if a vehicle is driven in a manner appropriate to the road conditions at the time.
I don't have any problem with 'enthusiastic' driving under the right circumstances, but drivers must accept it carries a risk to themselves and other road users.
Same thing goes for air displays. Operating an aircraft near the boundaries of its performance envelope requires minute attention to detail and a clear assessment of the potential risks to the aircraft and those on the ground. That clearly didn't happen at Shoreham, or the risks and consequences were grossly underestimated on the grounds that no incident involving mass casualties had happened for decades.