Auto Insurance Claims: pile of accidents, car4, proper distance

Question
Hi,My situation is like there is car1 which is stopped in the left lane due to some problem as there is no shoulder.Car2 has started slowing down on noticing it,car3 unable to control speed it hits the car 2 from behind,and the car4 which is mine hits the car3 from behind as i don't have the time to react even though i tried to apply brakes.IT Was my friends car and my name is not listed on the insurance,I,and the car3 got ticket for failed to control speed,I want to know like if the car3 insurace company will pay for my repairs

Answer
Varma,

Sorry to hear of your accident and I hope no-one was hurt. A similar situation happened to once.

Based upon your account, I am under the understanding that vehicle #3 struck vehicle #2 before you struck veh.#3. With that said;

Because you struck the car ahead of you suggests that you were negligent in not maintaining a safe and proper distance and/or traveling too fast, or failed to maintain control of your vehicle etc. and therefore will likely be considered at fault for the damages of the vehicle (#3) ahead of you and the damages sustained to your friend's car. Thus you (or your friend's insurance) will be responsible for the damages to rear of the vehicle you hit and for the damages sustained to the front of the vehicle you were driving.

So...to answer your question...I'm sorry to say that it is unlikely the vehicle ahead of you has any liability to you and that you will be found liable for the damages sustained to the rear of the vehicle ahead of you (not their front-end if they hit the car ahead of them before you struck them) and and your own...thus your friend's insurance will likely provide indemnification for same.

Drive carefully and defensively by allowing just a bit more room to be able to avoid such situations.

Thank you for your question and I wish you, (and your friend) the best!

Barrett