Anyone get in a multicar crash?

I was hit last night, smashed , by a jeep behind me, but someone slammed into HIM first. I never got to take a pic of jeep that hit me, but got his name and the cops were doing all the work with the report details. They handed me a card with the Accident report number. My car was towed and I've never been through any of this. I'm assuming I call my insurance tomorrow to report it, but after that, I'm not sure if it all. 😩 My back bumper and trunk are really smashed so not sure if it'll be replaced or what. Any ideas ?
I am ok thank goodness but had whiplash neck pain this morning.

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LordShadowfire · 46-50, M

Well, I'm glad you're okay enough to share the story with us.

I don't know what the law is in your state. Here in Oregon, drivers involved in an accident are expected to report it to the DMV, but I'm told in other states you don't have to. I'd start by looking that up.

The next thing to know is that even though you weren't at fault in the accident, your crooked аss insurance company is going to raise your rates. This is because you're now considered a higher risk, in spite of the fact that your driving habits haven't changed in the slightest, and the accident was the result of the Jeep owner. If you're on good enough terms with your insurance agent, you might be able to talk them out of it.

Oh, and before I forget, I know you're feeling okay now, but I do hope you let them check you out before you left the scene.

Coralmist · 41-45, F

@LordShadowfire Ty for your tips and information 🌟 I truly hope my rates are not raised..I was sitting still, stopped, with directional on in appropriate lane, and they slammed into me. 😬 I am on good terms with them.. hope they can help me a bit. I just wonder if I'll get a rental car, if my car can be fixed or not, and if not, what will happen.

LordShadowfire · 46-50, M

@Coralmist Well, whoever is found to be at fault, that will be the person whose insurance company pays the others. Chances are they'll tell you your car is totaled, but you don't have to listen. Take your settlement, whatever it is, and see if somebody will repair it for that much.

Or if the car really is totaled, I guess start looking for a used one on Craigslist.

Coralmist · 41-45, F

@LordShadowfire My friend was in a crash and it was completely totaled..they replaced it with new car. I guess we will see if it can be fixed... because I can't afford a new car. Ty again