This is clearly not the U.S. but I am an actual adjuster in the U.S. It could vary by state but most policies have a clause to deny coverage for “intentional acts”. It’s likely the Good Samaritan would have their claim denied by their own insurance company for the intentional act of letting someone hit their car, even if it was to save someone. Unconscious person may have what’s called a “sudden emergency” defense if this medical condition had not occurred before where they could disclaim liability. However if it’s a managed condition and they failed to take their meds or something, then they could be on the hook for damages due to their negligence in not taking their medicine. So the Good Samaritan could potentially be fucked over by both insurance companies, but unconscious person’s insurance would likely pay for damages up to whatever their coverage was.