Who should be held responsible for the accident involving a truck rear-ending a bus in Xiantao, Hubei Province? If the people in the car did not buy insurance, how much compensation can they ask for? Can anyone give an answer?

On March 25, police in Songzi, Hubei Province learned that at around 10:30 a.m. that day, a head-on collision between a truck and a passenger bus occurred in the city, killing 3 people and 11 others. People get hurt.

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance