Auto Insurance Claims: 3 Car collision, car collision, police statement

Question
Hi,

On Oct 2nd, we (Me & my wife) met with a 3 car collision.
The traffic slowed down and came to a stop. I stopped my car too. The car (sedan) behind us failed to stop and push us into the pickup truck in front of us. I am quite sure i stopped when the truck stopped and did it hit him before being push into.
In the police statement the driver of the truck mentioned that he felt 2 taps. The police report was just based on this statement. There is no other proof mentioned in the report to say i am 100% at fault. Because the police report is said so, now my insurance company is saying i am at fault 100%.
I don't know what to do now. We really feel bad to pay for something that we have not done.
Please advice.

Answer
Hi Leonard,

I have no way of knowing if your hit the truck in front of you first or not. However, even if you did you should not be 100% at fault. If it is found that you hit the truck in front of you first, you and the car behind you should split the cost of the repairs to the rear of the truck. The car behind you should be responsible for half of the damage to the front of your car and all of the damage to the rear of your car.  The car behind you would be responsible for all of the damage to the front of his own car.  

You should make this argument to all insurance companies involved.

I hope this helps
Richard Hixenbaugh