It's easy to judge and criticise and yes of course everyone should ensure they are adequately insured - but is there any one of us judging this poor lady who haven't even once accepted a lift back to our hotel on the back of a moped, or in a car which is not a licensed taxi, maybe the restaurant owners' car, or someone else's car driven by the bar owner? Did you check it was insured to take you back? Did you put your seatbelt on every time you returned to the tour vehicle every time, when you went on that excursion?
It's easy to criticise when you weren't the one who's luck was out when you needed it most.