Multiple car accident | What to do now?

by Zakir
(Chicago, il USA)

Multiple car accident | What insurance company pays?

I got into an accident few days ago. The accident involved 4 cars. I was fully stopped in the traffic when car number 2 hit me from behind. Cop told me that car # 4 rear-ended car # 3, Car # 3 rear-ended car # 2, and Car # 2 rear-ended my car (car # 1).

My question is whose insurance company should I call? I don't want my premiums to go high because it wasn't my fault. Car # 2 that hit me was insured by AllState.

I got the police report but it has the information of only my car and car 2. Not of Car 4 and 3. I can get it from the police station but need to know who should I pursue? Who is liable? the Car 4 or car 2 that hit me.

My insurance agent told me that if u go through your insurance company then it will increase your insurance premium and off course I have to deal with the deductable.


Answer:

Hello there,

Well, car #4 seems to be liable for the damages if the facts are how you explain them. However, an investigation must be done to establish who hit who and in what order.

If Car #2 hit you and Car #3 hit #2 and #2 hi you, then you have a different situation. An insurance company will have to determine this. Talk to your insurance company. Your agent should not discourage your claim as you do have a duty to report losses and this qualifies.

Please see our article on that subject.

Contact your insurance company and have them handle it.

You are also encourage to talk to an attorney.

Good Luck,
http://www.auto-insurance-claim-advice.com/