Auto Insurance Claims: 3 way collision w/parked vehicle, isurance company, insurance fraud

Question
QUESTION: I was at a stop sign, pulled out did not see an upcoming vehicle because he was going at least 60 in a 30 mile lane. I stopped my vehicle, his vehicle clipped the front of my truck's brush guard. I have no damages but his right back bumper got clipped. Which he popped back in but then claimed two hours later he needed a tow truck because he felt "his wheel well popped out."

The issue is because he was going so fast he side swiped  a parked vehicle that was on the right side of the street and across the ways.

I got sited with failing to yield at stop sign.

I understand that I am responsible for the damages on the right side of his vehicle but am I responsible for the vehicle that he side swiped and the left side of his vehicle?

PS I live in Miami, Florida.

Thank you



ANSWER: Hi bwgard,
By being cited, you are considered at fault.  If his impact with your truck caused his vehicle to be pushed into the parked car, you insurance will pay for all the damaged vehicles.
If you have no insurance, you will be required to pay the damage to both vehicles 'out of pocket'.  If he hit the parked car before hitting you, then you are not responsible for those damages.
I trust my answer has been of help, please write again if I can be of more assistance.
Your feedback to my answer will be greatly appreciated.
Sincerely,
Bennie
San Francisco Bay Area 10-28-07 5:10 PM PST

---------- FOLLOW-UP ----------

QUESTION: Hello again, the issue is my truck was never in motion. He clipped me in the front but because he was going 60 miles he skidded and side swiped the vehicle.

Being in a "no fault" state; isnt it up to my isurance company to decide if they will pay for it or let it fall on the other person's isurance.

The vehicle that struck the parked car is "self insured" what does that mean? Living in such a fraudalent state, I'm just thinking this guy is going to try to milk everything and commit insurance fraud.

Thanks again

Answer
Hi bwgard,
You are totally correct, it is the duty of your insurance to investigate, handle and pay your obligations under state law.  This they will do, but the fact you were cited for failure to yield at a stop sign is a major factor at considering you as being 100% at fault.
Currently 11 states and Puerto Rico have a form of 'No Fault' insurance and all 12 of those are different, therefore, I have no idea what 'self insured' might mean in your state.  You can ask your own company to give you an explanation.
Sincerely,
Bennie
10-28-07 8:07 PM PST