They are currently homeless and making payments on an uninhabitable house. And while insurance may make them whole eventually, I am sure GoFundMe is faster than insurance.
There are often costs the insurance doesn’t cover, not to mention deductibles. Also, don’t assume that the drivers have insurance.
Most homeowners policies would cover some extra expenses while the house is being repaired. While some drivers do not have insurance, most do. Those without coverage will really be adversely impacted in the future.