On the way to dinner and saw an accident with 9 cars. Each car rear-ending the car in front and getting rear-ended from the car behind, except for the first and last car.
How does insurance work in this case? Let’s say I’m car #4, would my insurance pay for the rear-end damage to the car in front of me and my front-end damage? Car #5 insurance would pay for my rear-end damage?
EDIT: For California USA
In: 1
This depends on your country, state, and the nature of the specific accident.
In some countries, the person at primary fault pays the most. In regions that are so-called “no-fault” locations, insurance just pays out for whatever damage was done to the individuals involved and you all pay higher premiums.
Every country has different insurance rules, and even different states/provinces/territories/whatever within a country may have different insurance rules.
The scenario you’re describing would generally be called a “pileup”, and most likely, each driver would be responsible for their own damages.
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