Right so on the school run this morning and somebody went into the back of me for what seemed like no reason (I didn't break suddenly or anything) and then the person behind went into them. The car behind that stopped and gave me her number and said she saw that the car at the back wasn't even looking at the road.
Car that hit me is insisting it's my fault for "not signalling" (I was driving in a straight line at a low speed, on a road that's always slow due to traffic). Her English wasn't great.
Neither of the 2 drivers want to go through insurance, and I understand why after getting screwed a few years ago with a no fault claim in a similar situation but my car was stationary at the time, didn't loose no claims but as you have to declare it on insurance quotes it meant my insurance was into the thousands and therefore I couldn't afford it and shared my partners car for a few years which meant I then lost my no claims anyway.
My mum said I legally must report it to my insurance. It will be a no fault claim I assume especially as I have a witness that will confirm I did nothing wrong but equally I can't afford for my insurance to rocket again.
All 3 cars have a small amount of damage, mainly cosmetic but possibly also my parking sensors, will get my ex to look at it better later. Middle car obviously was the worst damage as it got it both ends.
My friend says that the car that hit me should pay for my repairs if they don't want to go through the insurance but as she insists it's my fault I can't see her agreeing to that.
We all swapped numbers to deal with it later as all of us were on our way to schools/work etc. I had 3 kids and 2 dogs in the car with me.
Any advice???