"200 Car Pileup..."

It's always 200 cars in these pileups. Why is that? Do they lose count and just give up? What do you say to your insurance company when you're in a 200-car pileup? Maybe the insurance companies have some sort of threshold: "If insured is in pileup involving more than 199 cars, insured is deemed not at fault...." Hmmmm...

Also, how is it that so few people are injured in such smashfests? This one, on I-96 (a "freeway) in MI (on near Lansing) resulted in the death of only 2 people. That's 1%!