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DENVER - Insurance companies, along with Denver police, are trying to find out how many drivers are responsible for Saturday's 104 car pileup on Interstate 25. A woman was killed and 30 other people were taken to the hospital.

Carole Walker with the Rocky Mountain Insurance Information Association says determining how many separate crashes contributed to the pileup and who is at fault could take weeks, maybe even months.

"A lot of times in a situation like this you have people who were hit multiple times. There may be more than one driver that is at fault in this situation. Those are things that are all going to have to be sorted out," Walker said.

Insurance companies will look at police reports and interview witnesses. Even then, cases could wind up in court and a judge could have to make that decision.

While pileups this large are rare, crashes involving several vehicles are not, especially along Colorado interstates during the winter months. Walker said drivers across the state can learn from this tragic accident.

"When you are thinking about how much insurance to buy, think about the assets you have to protect. You have to protect your home, all of your financial assets. Those are the things that could be put at risk if you are found responsible for a crash or multiple crashes," she said.

Don't just consider vehicle damage. There are often medical costs, which are much more expensive and can continue for years. Walker says think about it this way: If you are responsible for a crash that costs a million dollars, but your insurance only covers $300,000, you are still financially responsible the remaining $700,000.

If you have a lot of assets to protect, Walker recommends getting an umbrella policy.

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