The motorist accused of falling asleep and causing the Selby train crash has been convicted of 10 charges of causing death by dangerous driving.
Gary Hart's Land Rover plunged off the M62 motorway onto the East Coast main line on 28 February 2001.
A southbound GNER express train collided with the car before being deflected into the path of a fully laden northbound coal train.
Hart's motor insurer Fortis has always promised to process the claims arising from the crash, regardless of the verdict. It has been estimated the bill will come to £40m.
A spokesman for St Paul International, the insurer of rail operator Railtrack, said: "It does not really affect our position. We are already pursuing a claim against the driver and his insurer Fortis and will continue to do so."
The jury in the case found Hart guilty of dangerous driving by a majority of ten to two, after 12 hours of deliberation.
The jury agreed with the prosecution that Hart had fallen asleep at the wheel after spending the whole of the previous night on the phone to a woman he met over the Internet.
Hart had denied throughout the case that he fell asleep, and told the court he heard a bang shortly before the car left the motorway.
Hart has been released on bail and will be sentenced next month. The judge, Mr Justice Mackay, said it was inevitable that he would receive a substantial prison term.
Ten men, six of them commuters, died as a result of the crash at Great Heck near Selby in North Yorkshire.
