On my first day of retirement in the Atlanta area I was in a 10 car pileup on the top end of the Interstate. I was the last car in the chain and after tapping the brakes and ensuring there was no one behind me, jammed on the brakes. As I slowed and almost came to a stop without hitting anyone, a Mustang slid in front of me and I crushed their door. The person causing the wrecks was a younf girl who just got her license and vehicle. She was traveling about 55 or so and saw an obstruction in the road and swerved to avoid it, causing a tractor trailer and the rest of us to pile up.
The police looked at all our documents (did he notice my liecnse had expired a week earlier? If so he said nothing). My vehicle was towed. My insurance company (GEICO) handled everything. I had no cost and my SUV was repaired. I am guessing that the insurance company of the girl handled what it had to and the other companys worked it out behind the scenes.
I as an ‘injured party’ as the they consider us, should not have to worry if we are properly insured ourselves.
I have handled a number of claims in which the driver had a medical emergency and because the driver had never been told that he should not drive by the treating physician the claims caused by his accident in the absence of negligence on his part.
In one or more of the cases the driver may have actually been dead when the impact occurred.
BTW: This the reason that commercial airliners have copilots.