Maybe not. Here in SC you've got hard limits on what insurers pay for liability per event, and this would be considered by your insurer as one event
Basic liability as required by SC is only $15K for property damage which won't replace hardly any new car should you cause one to be totaled
I opted for increased coverage but many folks don't. Had this crash happened here, that $15K would be spread proportionally to the victims and their own comprehensive coverage would pay the rest (to it's limits), then those other insurers would sue the at-fault driver to recover those costs. If found guilty, the Court issues them a judgement sum which they then have to pursue on their own. And if the at-fault party has no money and owns nothing of value the insurers never get paid and that's the end of . Should a victim not have comprehensive coverage they are in the same boat; they will never get paid the rest of what is owed them.
Car insurance is in itself a scam where the innocent pay all the bills for the guilty, who at most pay only slightly higher insurance premiums for several years
And now you might understand why I'll never drive a car here worth more than $15K
Phil