I’ve handled claims with 25-27 cars in a pileup on an icy interstate- for the most part, people just use their own coverage- someone without collision coverage did try to claim our insured struck them, but they had no real proof and picture showed the vehicles several feet apart.
One thing to consider, once an accident happens, and the vehicles are stopped, it becomes an ACDA issue, i.e. they are not liable for the cars behind them crashing into them even if they “started the whole thing”.
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