New theory about Subbu's family mystery

I have a new theory for Subbu's mystery.

I feel that the Bhallas are not responsible for Subbu's family's death. Instead Subbu is responsible for Romi's accident!!

Subbu's must have really lost his wife in the plane crash. He was alone with his son Karthik and was taking care of him. His son must have gotten really really sick one night and he probably was rushing to the hospital with his son. On the way he hit Romi's car. He stopped to see if the other person was alive/fine. He probably realized that the other person (Romi) was still breathing but was in a hurry to take his child to the hospital. So he left Romi as is and rushed to the hospital. However on going to hospital he realizes that he has brought in the child a little too late :(.

He is angry with Romi as he caused the delay in taking the child to the hospital. On the other hand he is angry with himself as he was not able to provide the right care at the right time for this child and has also caused problems in another man's (Romi) life (after all the accident changed Romi's life!).

Subbu moved to Delhi to take revenge on Romi, but didn't expect to meet Ishita there. He genuinely felt sorry for what he did to her. Also, he instantly fell in love (got attached) to Ananya when he met her. His love for Ananya is true. His anger or disappointment with Romi and himself has still not subsided though.

Please note that this is not a spoiler or some gossip published somewhere. This is truly my imagination :):).

Romi hit a truck and there were many people present there in the spot. One of them phoned Sarika at that time. Unless Subbu is the truck driver nothing makes sense and there were many people to take Romi to the hospital, Subbu wasn't needed.