If 2 drivers are within an quirk and hold insurance from indistinguishable company, do they still determine liability?

I've heard that if 2 drivers are involved in an fluke, they don't determine liability because they want to collect 2 deductibles under the collision coverage. Is that true? Since the insurance company is suppose to protect both drivers from liability, isn't there a conflict of interest and how does that work?
Answers:
they would still determine liability.
They still determine liability. Source(s): Personal experience.
They definitely still determine liability. Each claim would go to a different adjuster who must then cause a liability agreement.


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