i got in AN CAR ACCIDENT BUT ITS not my FAULT PLS HELP!!!!?

Question

HERES WHAT HAPPENED.
THERE WERE 4 CARS...IT WAS LIKE A CAUSE AN EFFECT TYPE OF ACCIDENT.

THERE WAS A CAR INFRONT OF ME WE'LL CALL DEM CAR #2;THEN THERE WAS A CAR INFRONT OF THEM #1, I AM CAR #3 AND THE ONE BEHIIND ME IS #4....

YOUR WITH ME SO FAR?

WELL CAR #1 DID A IM ASSUMING LAST MINUTE RIGHT TURN. SO CAR #2 BRAKED AND ME (3) HAD TO BRAKE REALLY HARD I MEAN I EVEN HEARD MY BRAKES SCREECH IN ORDER TO NOT HIT THE 2 IN FRONT OF ME. CAR 4 OBVIOUSLY DIDN'T BRAKE IN ENOUGH TIME AND REAR ENDED ME.


COPS GOT THERE AND GOT MY DRIVERS LICENSCE REGISTRATION, AND INSURANCE AS WELL AS OUR SIDES OF THE STORY.

THE PROBLEM IS ITS MY RENTS CAR AND IM NOT IN THE INSURANCE.
I DON'T KNOW WHATS GOING TO HAPPEN!HELP!
THE COP TOLD ME THAT "YOU CAN KINDA TELL WHOS AT FAULT HERE"
CUZ HIS WHOLE BUMBER WAS SAMSHED YET MY BACK WASN'T..

THEY WERE BOTH SUVS.

THE INSURANCE IS STATE FARM, AND I LIVE IN CALI.

sorry bout caps...

i am clueless bout everything ...im asking if the rate will go up..
my rents are freaking out cuz it will raise and were not financially stable rite now.

the car has insurance, but its only under my dad and moms name...she says she has full coverage....

Answer 1

I would first start by calling car # 4 insurance company and filing a claim.

They will call a get your statement and determine who is at fault if they find driver #4 at fault they will get your car fixed or issue you a check to fix it.

If their difficult or slow call State Farm and file a claim. Your parents will be responsibly for their deductible and State Farm will fix their car.

State Farm will then call car's#4 insurance company and get reimbursed and then State Farm will return your deductible if it it can be recovered. If you only have liability your on your own.

Good Luck!

Answer 2

So, Pinky, you sort of ended up sandwiched between the car infront you and the one at the rear. By rule of the road the car at the rear should keep its distance away from the car infront.
It seems that the three of you were very close to each other to have ended up crashing in each other. I am very sorry that it is one of the main points against you and the other car, eventhough the first car made a sharp turn. Some time ago my son was involved in an accident similar but between his car and another in front which reversed quickly. Still my son got to pay his share of the damage done on this rule. Take it always to keep a fair distance away from the car infront of you. Another thing that I think is against you that you were not insured. Who is now to pay for the damage? If there was the Insurance it could pay but then you will have to pay more each year. That's how the Insurances work.
You can confess what the first car really did but be prepared that it won't work.
Where I live they police have made it that you won't be given any licence or renewed without having a good insurance.
I'm sorry for you and hope the best for you.

Answer 3

I'm not really sure what your question is.

If you are asking about liability - you really need to talk to the adjuster that is handling the claim. They will speak to all the drivers involved, get photos of all the cars and determine fault.

If the front of your car was smashed up and the back was not - that means that you rear ended the car in front of you. You were not able to stop in time. If the back of your car was smashed up and the front of the car behind you was smashed up then it could mean that the car behind you pushed you.

In these situations, it's really difficult for some one other than the adjuster handling the claim to determine fault. I just don't have enough information.

If your question is about getting a rental car - if the insurance company for the car behind you determined that it was their driver's fault, they would provide a rental car to your parents (as the owner of the car). Most likely they will pay the daily rate and tax - they will not pay for damage waivers or additional insurance. However, they will not pay for anything until they complete their investigation.

In order for your company to get your parents a rental car, they have to have purchased the rental reimbursement coverage.

Answer 4

I live in Ca also plus got state farm. You should not have anything to worry about UNLESS you are restricted in the insurance from driving the car. Any person that I allow to drive my car and licensed to Drive is covered under my insurance.

Anyway the person who rear ended you is at fault. You must allow some driving room in front of you at all times. Well hope he has insurance.

Answer 5

Insurance goes with vehicles, not with drivers, so if you were driving with permission, you are covered by their insurance.

The car that rear ended you was following too closely, and is the root cause of the accident.

Just wait until the police report comes out, then make sure your insurance company has a copy of it. They will handle all the details for you.

Your insurance will talk to the other companies involved, and compensations will be made to those injured by others actions.

You don't need to type in all caps by the way, it's hard to read, and is considered the cyber equivalent of shouting, which makes it rude also.

Answer 6

Driver #4 is the at fault driver. Their insurance company is liable to repair your damages. When you go thru his insurance it does not matter if you are on your parents policy, or even have insurance for that matter. If you go thru your own insurance, and you are not listed, then there may be issues with the claim.

Answer 7

How do you want us to help?

This is a good learning experience for you. In this excercise, you learn that worrying about things you can't control is ineffective.

Try this instead. Earn some extra money, or chose to forego some expenses. Stick the money in the cookie jar. If your rates go up, you'll be ready. If not, stick more money in the cookie jar. Worry about something you can do something with.

Answer 8

You weren't at fault, so you won't have to pay for any damages.

However, if you didn't have insurance, you will get fined for that and your parents' rates will go up. If you are a minor, you are NOT covered on your parents' plan unless your name is specifically added. If you are an adult, then it all depends on the policy.

Answer 9

the rare of the car is very hard than the front, i hope the car #4 is not a mexican