You've highlighted a very important issue, considering the stark economic difference between the drivers on the road, theres always the possibility of a poor Rickshaw or motorcycle crashing into one of these Crore class cars... you can well imagine the plight of a poor chap stuck in a situation where the damage of the other car may cost more than his ride!!
I once heard a story of a cd 70 owner having to sell his only bike to pay for the damages of an exotic car he crashed into.
I think we should have some sort of special insurance conditions for these super expensive cars, like the driver at fault not having to pay more than a certain amount and the insurance catering for the rest, so that people who do have accidents with them have some economic protection.