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

The short answer is that each insurance company pays for their own customers.

In smaller incidents where all damage to all vehicles is very clearly caused only by one person, then that person’s insurance will pay, though for multi vehicle incidents those situations are fairly rare.