Bus passengers are generally insured, and now tickets generally include insurance premiums. It doesn't matter if passengers refuse to buy insurance when buying tickets. At present, the owners of long-distance buses will be forced to buy third-party liability insurance. As for the amount of compensation, it depends on how much insurance you have bought.
PS: At this time, everyone should be concerned about how to rescue the injured and appease the families of the deceased. How much to claim should be a concern in the future.