Citizen Vorobyov M.V. was driving a car

Citizen Vorobyov M.V. was traveling in a passenger car with a fellow traveler Orlov G. Ya. On a suburban highway. Suddenly, a stone flew out from under the wheel of the KAMAZ brand ahead of the car and fell into the windshield of a passenger car, as a result of which the glass is damaged, visibility from the driver´s seat is sharply deteriorating. Since the novice driver was driving, he could not take adequate measures to prevent the consequences. Because of this, he drove into the oncoming lane, where there is a head-on collision with a Gazelle brand car, which was engaged in the transportation of food. As a result of the accident, the Gazelle driver broke his arm, the food spoiled, citizen Vorobyov M.V. got a concussion, and his fellow traveler G. Orlov died. The relatives of the deceased and the victims themselves applied to the insurance company with a request to pay them money.
What answer should the specialists of the insurance company give based on the current legislation? Who should pay?