How is this in any way justice?

A friend at my workplace went out of state on vacation a while back. While on her trip, she was rear ended by another driver who has been in several similar accidents. My friend’s car, which still had three years of car payments on it, was totaled, and, after the insurance company paid it off, she got $500.

My friend is living on a very tight budget. Now, she has to buy a new car. I understand that her old one was paid off, but I don’t understand how this is fair. She had a car, now she does not, and yet this lady who has called multiple accidents, including this one, is still driving around in her car.