If a car runs into multiple cars on a street, are they considered seperate accidents?

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If a car runs into multiple cars on a street, are they considered seperate accidents?

A driver hit 4 cars on my street, including mine. His insurance company is saying
that he only has 10,000 in coverage per accident, so after all the damages are
assessed, the 10,000 will be proportionally rationed between the four of us.
The way I see it is that he committed 4 separate accidents, therefore my car
should be covered up to 10,000.

Asked on May 27, 2019 under Accident Law, New York

Answers:

S.L,. Member, California Bar / FreeAdvice Contributing Attorney

Answered 2 years ago | Contributor

Hitting the four cars occurred in the same incident. Therefore, it is one accident and the compensation is apportioned as the at-fault driver's insurance company claims.
If there is a police report, it will list the four cars that were hit as one accident.


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