80 Car Pileup... How does insurance work here?

Wondering how Insurance works in this case.
Do the Insurance Companies look at who hit who in a chain reaction or does each Insurance Company take care of its own.

How about the Driver who does not have Collusion… does it make a difference?

I think Insurance (hopefully…search “Bad Faith”) pays you then they seek reimbursement from other insurance companies. Now for the PI lawyers that’s another story.

IT could be interesting…

Pennsylvania is one of just a few no-fault insurance states that allow drivers to “opt-out” of no-fault insurance. The system is commonly referred to as a “choice no-fault” system.

If they are no fault, the drivers insurance will pay. Bodily injury is gonna be fun.