Car Accident-Rearended whose at fault?

So on Monday morning as I was sitting at a light two blocks from my house and all of a sudden my car was rear-ended not once but twice. I got out of the car and a lady nice as can be gets out totally flustered as was I and said she didn’t know what happened that it was her son’s Jeep and she had never driven it before today. My lucky day huh?!? As I’m looking at the damage to my car (bumper shattered, trunk indented, etc) thinking what a wonderful way to start a Monday morning. Apparently she had big boots on and hit both the brake and the gas at the same time. She then slammed into my car which pushed my car forward and hers backwards and then still couldn’t get the brake and hit my car again within seconds. She of course didn’t have her insurance information with her. Luckily for me she truly was a good person and did call me later.

I figured it would be her insurance company and her record that this accident would go on but since she was driving her son’s Jeep this doesn’t affect her. Instead it goes against her son and his insurance. I think something is wrong with that picture that she does something stupid and he has to pay for it. Plus then why do they tell you to always carry an insurance card on you if it doesn’t matter about your insurance it just matters that the car is insured. Then it poses the question say you were really mad at someone and borrowed their car and totaled it, do you get off completely free since it wasn’t your car and so not your insurance? Just questions that have crossed my mind.

I still don’t have a car as they now have estimated I have $4,000 worth of damage and so the adjuster has to come and agree before they will give me a rental car. Good thing my husband likes to carpool:)!

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