Many of the car drivers are getting the responsibility of a car from its owner. The owner may be any institution or an individual person that have a car for renting it to the drivers for business purpose.
If there is any major damage of anything like car, house etc. than the coverage of that damage will be insured by a policy that releases you from the burden of the cost of damages.
The owner of a car has their protection from the coverage with a car insurance policy and also they are getting the benefits of that.