Robert M. Gary wrote:

I don't usually fly indigent people myself. Most have medical coverage
themselves.

This won't protect you. Their insurance may be inadequate (lots of
middle class people have company insurance with 20% copays and caps,
etc) plus their insurer can still go after you. Before I went with an
HMO that doesn't require claim forms, my medical insurance claim forms
used to ask if there was an accident involved, and I assume if you say
yes they may choose to get more information to go after the person who
caused it. Also, even if you don't have claim forms or don't check yes
on the box, medical insurance companies routinely hire auditing firms to
check their claims for ones that may be due to an accident so they can
follow up and see if they can ding someone else for it.

I know this because my wife goes to a chiropractor and a couple of times
they have sent her letters asking her if she was injured in an accident
and if so to contact them with the pertinent info about the other parties.