Let me ask you a question. A bus driver of a state-owned enterprise had a car accident on his way to work, killing passers-by. Should insurance companies and units pay compensation?

Compensation should be paid by insurance companies and units.

The criminal responsibility of the driver is to be borne. You made a mistake, and there is nothing you can do. That's the law. You need to wait for the traffic management bureau to issue a report before you can identify it. The civil liability unit is obligated to pay compensation, and you have to bear civil liability.

In the case that the personal ability can't reach the compensation, the victim's family can sue the vehicle owner (unit) for the remaining compensation.

If you are in financial difficulties and cannot make civil compensation, the unit will compensate you.