Car written-off because of Bolt driver

I am so furious with Bolt and their incompetency, a Bolt driver caused an accident resulting in writing off my vehicle, he was clearly at fault and acted arrogant, what bothers me is that now I am left with a debt while your driver told my Insurance that his car is not insured, how does Bolt permit a car to work under their name without insurance, it means that we are risking our lives riding vehicles that are not insured and they also damage our vehicles on the road and claim not to be insured