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Auto Insurance Claims/Involved in a 3 car collision (I was the last car)

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Question
I was the last car in a 3 car chain collision. The events that occurred are as follows;
I was traveling down a two way (one lane each side) road. The car in front of me was a comfortable distance ahead of me, as well the vehicle ahead of the vehicle in front of me.  I saw that there was a green light in the distance, when I begin to hear screeching of tires, but I didn’t see any break lights coming from the vehicle in front of me. All of a sudden I see the vehicle in front of me swerve a bit, and next I hear a smashing sound (like a collision) as I realized that the vehicle in front of me just hit the vehicle in front of it. I tried to swerve toward my right to avoid the vehicle in front of me, but no luck. The left lower end (just below my headlight) collided with the right lower end of the vehicle in front of me.
My question is, how much should I expect to be at fault? The vehicle in front of me had major damage to the front end, as that car did slam into the car ahead of it before I hit them. I’m still not sure what the first vehicle was doing, and that driver’s story is still unclear; but I’d like to know (in approximation of course) what I will be responsible for.
Thank you…  

Answer
Hi LaShell,

You will be considered to be 100% at fault for the damage to the rear of the car you hit. Anytime you hit someone in the rear you are at fault regardless of the reason. This is because you are required to always maintain a safe enough distance and speed to be able to control your car no matter what happens in front of you. If the car you hit then made a second impact with the car in front of him, you may also be responsible for some small percentage of the damage to the front of the car in front of you and the rear of the car in front of him. If there was no second impact, then you would not be responsible for those damages at all.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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