I suppose it can be said that we are in this predicament, because of the weakness of politicians in allowing legislation that allows the suing for all and everything, not to mention insurance companies, who insure for all and everything.
When it gets to court it is not a matter of right or wrong, but how much blame can be attributed to all concerned, as no one is 100% blameless
After all, they are insured aren't they, so take the risk and if it goes wrong insurance will pay up.
When the only insurer was the Government, these types of accident claims were few and far between and were legitimate accidents, not stupidity and carelessness.
Ah the bliss of living in an enlightened society, which can only improve.