If the individuals are firing, directly in front of you so you don't have to turn into them, you're good to plough through them. The heli blocking your path changes things significantly. A video would be cool to see, but provided it landed in front of you and you couldn't possibly stop in time then it's their fault. However if you have more than enough time to turn then yeah, its your fault.
That's not entirely true, sometimes things happen and vehicles blow up for no good reason at all. Arma 3 has physics that defy reason sometimes :/