You do interject another issue, and that is whether or not the damage was contributed to or caused by the negligence of the victim. Once you start determining that, and let's say it was mostly the victim, do you not find that you have to go through some kind of process before there's a payment out? There obviously wouldn't be any recourse for the funds afterward. Once you get into the process, it becomes a question of finding out what the facts were, what the responsibilities were, and so on.
Is it not, then, realistic to expect a payout if you have to determine that additional issue?