Are you sure your analogy is sound? Ms fong had a 100% share in the car, but she already lost 100% value of the car to an entity at fault which is dead. Like a natural disaster, both entities can not reimburse for the fault, however the ride sharing company has willingly assumed the role of protector in the car case. But now the fault for the damage caused by the car while operated by someone else is more analogous to people getting killed by rubble in the factory during the hurricane. The hurricane can't be sued, and the fault doesn't technically lie with the factory owners, so society doesn't have a right to assign the consequences of fault arbitrarily to the owner now does it?