Does the liability of the one who owes a debt become absolved if the insurance company does not pay the dues to the rightful claimant after a car accident?

"Insurance is forbidden in all its forms except for cooperative insurance. It is not permissible to take more than what was paid, except in compulsory insurance. If a person causes an accident and is at fault, then he is liable, and his responsibility is absolved when the right reaches its rightful owner, whether the insurance company pays it in full or in part. He must deliver the right to its owner and not delay it, in compliance with the words of the Almighty: 'O you who have believed, do not consume one another's wealth unjustly.'"