How do insurance companies sort out who pays what when there’s a massive pileup?

Question

For example, this 100+ vehicle pileup in Texas last year.

[https://www.washingtonpost.com/weather/2021/02/11/fort-worth-highway-pileup-ice/](https://www.washingtonpost.com/weather/2021/02/11/fort-worth-highway-pileup-ice/)

In: 7

Answer 1

If there aren’t clear fault, each victim’s insurance pays for their claim. In fact some states have no-fault insurance rules where this happens even when there are clear at-fault parties and clear victims.