I think it's the combinations of two things

* A preference for "rule of the man" over "rule of the law". Some might say it's just a lack of exposure to "rule of the law", knowing only "rule of the man".

* The idea of insuring stuff is still alien : paying in advance for something that might or might not happen. People prefer to pay only if things happens ie. a compensation.

So the result is people doing justice themselves, they don't care much about insurance, going for the "compensation" approach.