Car Insurance Accident - Help Needed

[moneydragon]

Hi

Can someone please advise me with this one ?

Last month my daughter had an accident (vehicle 3) whereby her brakes failed causing her to go into the back of a vehicle (2) and pushing that vehicle into the the vehicle (1) in front of that. At the end of it my daughter does accept responsibilty

However, today she received from vehicle (1) an estimate asking that she forwards on to her insurance. Does she send it back asking the driver of the first vehilce to forward it on to their insurance to deal or should his claim go through vehicle 2 that went into vehicle(1) who will inturn will cascade the costs down to my daughters insurance or just send the estimate on to her insurance company?

Thanks very confused

[Darkangelsdelite]

Hi moneydragon,

3 car shunts are always a bit messy to deal with. I
'm sure one of the claims gurus here will be able to go into more detail on the ins and outs of how it all works as claims isn't really my forté.
As i understand it, As your daughter was the cause of the claim, her insurers would pay out for the damage to all TP vehicles involved.
For the moment, all i would suggest you do is forward any correspondence to her insurers and let them deal with it all on her behalf. Ideally, she should have minimal involvement in the whole process.

Hope This Helps


DA

[Goldlady]

Sounds like my first accident about twenty years ago. I think they deal with it on a knock for knock basis - ie although the entire thing was my fault the middle car's insurance paid for the car in front of him as he was too close and so on. Hopefully you will get someone with a bit more knowledge but all I did was pass everything on to the insurance company.