And in the UK, your insurance has no liability cap, so you can get an award directly from the fault parties insurer in the tens of millions (a theoretical upper liability limit has never been tested in the UK insurance system, insurers pay out either what they are told to pay by a court, or what settlement they come to, and this has resulted in some impressive payouts) if that is what is needed.
So we end up with much less frivolous or ridiculous court cases here, because we don't need to make tenuous connections to third parties in order to get a larger payout, its all handled by the insurer directly. Whether the insurer tries to reclaim money from a third party is another issue but its still not our problem.
In this case, you would sue the other driver for wrongful arrest and you wouldnt ever have to get Apple involved.
Driving in the US scares me, precisely because of the liability limitation issue with your insurers. If I am injured or killed, I want your insurer to have unlimited liability, nothing less.