thats not how it would would these days

oxnsox: Had a similar thing happen to me 15 or so years back.

I was car B. I believe I stopped with millimetres to spare, but when vehicle C hit me I then made contact with car A.

Merc owner A's insurance companyheld me at fault for following to close.
Merc owner C's insurance company held me at fault for driving dangerously, and stopping to quickly (against Merc A), therefore not leaving them enough room to stop safely. Of course this couldn't be proved.

Honda owner B's insurers said C was following too closely, and couldn't determine if B struck A or B was pushed into A.

Net result.
My insurer paid for repairs to Vehicle A,
they also paid part repairs for B
C's insurer paid for C and part repairs for B

that sucks! But you idiot, why did you stop short!

Did you have to pay the excess?

The driver at the rear could be charged with careless driving for following too close and failing to stop.  The car in the middle is technically not at fault because they stopped prior to hitting the car in front, however they may have a difficult time proving that.  

Jase2985:

 

thats not how it would would these days

 

Yeah, strange because that is not how it worked back then either.  The insurance company must have been considering some other circumstances.

kharris:

 

Jase2985:

 

thats not how it would would these days

 

 

Yeah, strange because that is not how it worked back then either.  The insurance company must have been considering some other circumstances.

 

Or two (or more) of the cars had the same insurer.

trig42:

 

Or two (or more) of the cars had the same insurer.

 

They did or you are just putting it out there?

There are not too many ways you could say they middle car was dangerous driving but I can think of one.  If car C was following car A at a safe distance and then car B suddenly changed lanes to move between them and then braked heavily, car B is dangerous driving.  Car C would not be careless driving in this case because they were not at fault for failing to stop, it was the actions of the middle car that reduced their following distance.