3 car accident insurance

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 7, 2010

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Insurance Question from Knoxville, TN

Asked on 11/07/2010

3 car accident insurance I hit the front car rear and my car front got damaged badly than my front car rear. At the same time 3rd car hit my rear causing atleast 15-25% damage of my cars front part.My insur liability takes car of front cars repair.3rd car insuran guy comes inspects my vehicle and estimates (front $4500 and rear 600 ) as totaled and have put a salvage sticker on my car and after they say that 3rd car hit is so negligible that it can cause any front damage and say they pay only for my rear part damage.It is disappointing for me as they do not want to pay for front dam and still salvage my car.any ideas?

Answer given on November 12, 2010

I’m not sure of the full situation, but it sounds like there is one insurance company paying for the rear end damage to your car, since their insured rear ended you.  However, if you have collision insurance on your car, you should report the damage to your insurance company and they may pay for the front end damage.  The total damages may still make your car a total loss, and thus a salvage title, but you may be able to collect more insurance money for the damages.

You need to discuss the overall loss and damages with the adjuster(s).  If your insurance company is handling the loss and trying to get money back from the company that insured the person who rear ended you, then you need to work out the rest of the damage with your insurance company.  You may also see if your agent can help you in determining how to get the front end damage paid for. 


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