If I'm walking and you hit me with your car, it's you and your car insurance that has to pay my medical bills, not me and my health insurance. Why not stick to

If I'm walking and you hit me with your car, it's you and your car insurance that has to pay my medical bills, not me and my health insurance. Why not stick to this model for everything else in society? If it's your fault I can't go to an event, you should have to pay for all of the expenses, not me.