why should people pay for doctors' fault?

when doctors failed to do their duty that caused death or severe injury, lawsuits come in to ask for huge compensation. I dont think compensation really helps parents who lost their child due to this. no money can buy back life. I only see some one's living spouse who cant take care of himself/herself and dependent children should get helped. why a sibling would claim huge compenstation for some one dead that way?

the second part is the doctor should be punished properly, instead of insurance claim which results in patients paying huge bills becaues bad hospitals and bad doctors are not doing their jobs and NOT taking real responsibilities!

the last part is about insurance company. cant we simplify insurance so we can just do it with less margin to the 'insurance company'?