I roll up on an auto accident, see a trapped person in a burning car. I rescue them. Yay me. During the rescue I suffer 2d degree burns and my pants are burned beyond repair. My hospital bill is $xyz, the pants cost $20. I lose days from work.

I would expect the person's insurance to cover my expenses. Failing that, the rescuee is getting sued. If the person was driving without insurance, they assumed the risk. It's possible my insurance would cover my expenses - then under subrogation laws would sue the rescuee.

If the tables were turned, I would expect my insurance to pay the rescuers, and if they didn't would join in the suit against them.