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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JoyfulSilence · 51-55, M

I am glad you are OK.

I hope your neck feels better.

Yeah, call your insurance to file a claim. Or maybe you can do it all online. Last time that is what I did. I still had to call, though, to ask a question about one of the items on the form.

Then they sent me to a collision center who they contract with. They were very professional and efficient with tablets in hand typing in stuff. My insurance has rental coverage, so I got a car. I think it was with Enterprise: they bring you the car!

But that was all when I had been at fault (I backed into a guard rail!).

Many years ago I got hit. If I recall, I contacted mine and his insurance, and his insurance took over and handled the repair. They were so good I almost thought of switching providers!

I have never totaled a car, so I do not know what it is like to get a new one or what would be covered, and by how much.

I hope it all goes smoothly.

Coralmist · 41-45, F

@JoyfulSilence Oh wow, glad things worked out. I hope that is the case for me. I am about to call soon to file and I just hope they can give me a rental. Ty for your reply. ✨

JoyfulSilence · 51-55, M

@Coralmist

Rental coverage was included in my insurance plan, but it was not automatic, I had to add it and it increased my premium a bit.

If you are not covered, perhaps they can still help set you up, but I presume you would have to pay? I do not know. Maybe you can give them an IOU, or put it on a credit card.

Of course, since you are not at fault I presume you could ask his insurance to pay for your rental.

But I do not really know. I assume every agent will know what to do and have your interests at heart. If they were unscrupulous I presume they would not stay in business long!

But stay vigilant. I never had problems with insurance, but did with one repair shop. They fixed a dent in a door yet it did not close flush with the body after. I complained and they took it back inside and made it flush. I wondered what sort of low standards they had that they would release it back to me in that state.