Just the same as the accident that happened here a few years ago in which I was involved (the aftermath) when four were killed - overloaded (4 adults and 4 children in a Jeep Cherokee) most of the people didn't have seat belts on. The driver in this case will be lucky not to be prosecuted for manslaughter if somebody died for both the overcrwding and the seat belt offences, the driver in the local case faces 13 counts of manslaughter relating to the seatbelt x 4, the overcrowding x 4 and the excess alcohol x 4 plus 1 instance for speeding. I think the insurance company did exactly the right thing in this recent instance. Interestingly the insurance companies all paid out on the various claims from 2006 but they're suing the nuts off the driver!