Imagine there's been a huge pile-up - 20+ vehicles, say - on a dual carriageway or motorway. How do the insurers sort everything out? How about the police?
When I worked at Co op insurance, fault would usually go to the person directly behind until witness statements and evidence came along to prove otherwise.
It just became a **** show of blame as people would obviously say it was the person behind them that caused them to go into someone. A lot of the time insurers just accepted liability for the car directly in front and claimed off the insurance of the car directly behind to make it easier.
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