While driving in the middle lane on a highway on a nice sunny day, all of a sudden a Mercedes in front of me comes to a full stop, making me do emergency braking. I come to a stop and while stationary, an old Toyota behind me smashes into me and pushes my car into the Mercedes. My Honda Civic has the most damage, coolant leaking out, front bumper falling off, car smashed from front and rear. The Mercedes has some surface damage on the rear bumper but not too much, and Toyota hasn't got much damage either but its airbags deployed. My car is the most affected and had to be towed.
Crash order: Mercedes <— Honda Civic <— Toyota
The Mercedes has comprehensive insurance. I have 3rd party. The Toyota has nothing, as the driver said. The Toyota driver gave his phone number but didn't give any further details, he's not picking up my phone calls and blocked me on WhatsApp. I took a photo of his car with the license plate (shows registered).
As there were no injuries, the police were informed but didn't attend the scene. Even though it happened on a weekend with lots of cars around, no one came forward as a witness.
I understand the Mercedes' insurance would be claiming from my insurance, but what do I do? How can I prove it's all the Toyota's fault and how do I make him pay for the loss of my car ($4-$5k market value)? Can I sue him to get some money back? How do I make the Mercedes deal with him too so my premiums wouldn't go up?
I also don't know what to do with the car as it's now at a scrapyard, towing to which was around $370, and every day the car stays there costs about $27 a day.
Lot's of questions, really frustrated and still in a bit of a shock. Would really appreciate any help.
The police got in touch with the Toyota driver and provided me with his contact details. Despite that, he went into hiding and continues to ignore my calls and messages. He has an overseas driver's license.
I got my car out from the holding yard - it still runs fine. Just parked it nearby, now waiting for my insurer to come back to me. My policy includes up to 5k payout in case of an accident with an uninsured driver.
The towies charged me $400. Bastards. I don't understand why they didn't offer me to tow the car to my place instead of their holding yard. And given the car is drivable, I didn't need their service at all. They are vultures making money on people who can't think clearly due to being in a state of shock.