Likely the victim's medical or comprehensive insurance - most states only require very small liability limit policies that won't really cover much in a big crash.
California, for instance only requires ~30k injury coverage and ~5k property damage, not even enough to replace a cheap used car when totaled these days.
Strong agree that California’s minimums for insurance don’t make sense. I’m constantly surrounded by $75,000+ cars and have bumped up coverage amounts considerably
California, for instance only requires ~30k injury coverage and ~5k property damage, not even enough to replace a cheap used car when totaled these days.