Where does all the fault lie in a 3 car rear-end collision?

Question

Hypothetically, 3 car rear-end collision. Both front cars were stopped and the person in the rear car looked down for a second and when they looked up they realized that the car in front of them had stopped, so they slammed on their breaks but hydroplaned into the middle car, who in turn hit the front car. Is all the fault on car 3? or is part of the fault for the accident between the front two cars on the middle car for being too close to the front car?
This took place in BC, so the insurance company is ICBC. Say also that the rear's car insurance had expired 4 days prior to the accident. They were not given any notice, and the driver did not know. The car was not registered to the driver and the insurance was not in their name, however they are listed as the primary driver. Insurance was reinstated that day. Are there any instances where ICBC will cover the costs of the accident? Obviously the rear car should get a lawyer, but are there any loop holes they can find? The driver is a university student and the owner works out of town, very responsible and honest people since they didn't reinsure the car and say the accident happened right after so they could scam ICBC into covering them. The rear car is a beater from 1992, now written off.
There were no injuries at the scene, but the next day the driver of the rear had a stiff neck and sore shoulder from the seatbelt. So it can probably be assumed that the other two drivers also felt sore the next morning.
What would be the best advice for them? And what else should they be worried about other than being responsible for all repairs and possibly paying for doctors bills for the rest of their lives? if this is the case they will have to declare bankruptcy which will affect their whole future and student loans. is there any help for them or was their lives really ruined in one second?

Answer 1

The whole hydroplaning debate is completely irrelevant. If the two vehicles in front were completely stopped then the vehicle in the very back is 100% at fault (if the middle vehicle was still in motion when hit then there would be an argument that they were partially at fault, however since this isn't the case the point is moot).

As for your other situation I can guarantee ICBC sent out the renewal notice as they always send out the renewal notice. Whether or not the owner of the vehicle received the notice is also irrelevant, especially considering the brightly colored sticker on rear license plate which is there to remind the owner, the driver and anyone else who is not visually impaired when the insurance is set to expire. ICBC is not obligated to cover the loss considering the vehicle was insured after the accident occurred (there is always hope that ICBC is feeling benevolent and may decide to cover the loss considering the shortness of the lapse, however there is no guarantee).

You cannot assume anything about injuries. Human tolerance for pain and injury resistance varies wildly. Just because one person is injured is no reason to assume everyone is.

Declaring bankruptcy is not a 'Get Out Of Jail Free' card. There are many repercussions for doing this that will affect you way later in life. Bankruptcy is a last resort.

Answer 2

Your insuranse will contact you to confirm if you're accepting the blame. A moot point now, but if the pricey harp was once ever in query, there must have been an respectable accident report filed. Most states have a no expand clause if the injury is lower than 1500 bucks. At todays costs, it might fee more than that to restore a bumper, a further just right cause for an accident file. With a document, you are not accountable for something now not definitely brought on through your negligence and whats to maintain her from pronouncing later she has more harm than was first visible. Too late for this one, sorry. Pressure risk-free and quality of luck sooner or later. Gary d

Answer 3

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