Quote Originally Posted by Nixon View Post
If he couldn't pay for insurance chances are the guy won't have jack to pay HIM with. Have the guy pay your deductible and sign all the nesc forms.
Not true. I know of lots of people that have had no insurance and been well off. Its usually a choice not to get it, but there are times it can lapse.

Quote Originally Posted by SlowNA06 View Post
Yup, the girl that hit you is responsible for your problems, not the guy that hit her.
Depends on the state I guess... Since it was a chain reaction accident, the PD could have filed the accident with the rear car driver being at fault, meaning the damages were all on him. A guy I know hit a car, then after he hit it, he got hit, and it was the guy in the rear's fault for both vehicles.