In the case of pile-ups with many cars, how do insurers & police sort out the claims?

[Quartz]

Imagine there's been a huge pile-up - 20+ vehicles, say - on a dual carriageway or motorway. How do the insurers sort everything out? How about the police?

 

[a1ex2001]

A complex and costly job of firms claiming off one another depending on where you are in the accident chain!

 

[DanTheMan]

A complex and costly job of firms claiming off one another depending on where you are in the accident chain!

Pretty much this.

When I worked at Co op insurance, fault would usually go to the person directly behind until witness statements and evidence came along to prove otherwise.

It just became a **** show of blame as people would obviously say it was the person behind them that caused them to go into someone. A lot of the time insurers just accepted liability for the car directly in front and claimed off the insurance of the car directly behind to make it easier.

 

[Quartz]

What happens when the last person's liability insurance is exceeded?