That's exactly my point - it doesn't seem right that the industry should be able to claim large amounts for every person involved because they would be getting

That's exactly my point - it doesn't seem right that the industry should be able to claim large amounts for every person involved because they would be getting an exponentially larger amount of money than the actual damages. Using the car example, the car owner shouldn't be awarded 4x the value of the car just because 4 people were involved.