<prompt> Human: Yesterday, my wife and I were in the process of moving out of the city we had been in for my summer internship. While leaving, we got into a 3 car accident. My car hit a strangers car in front of me, and I think it could be characterized as a fender bender. He had mild damage. My wife on the other hand, hit my car from behind pretty hard. My car has some damage to the back broken taillight, trunk is bent, but her car, Im fairly confident, is totaled. Its only worth about 2,500.We have collision coverage on my wifes car, the one that is likely totaled. We only have liability on my car.What is normal car insurance protocol when two cars on the same insurance policy are involved in the same wreck? Is the insurance company likely to still give us the value of my wifes car?I thought about talking to the person that I hit and asking if we could just pay the cost of the repaired without involving insurance. However, I also feel it may be necessary for him to corroborate our story so that the insurance company doesnt think were just trying to take advantage of our insurance.Let me know if theres anything missing. Would love to hear your thoughts about this situation if youre familiar with how car insurance works or youve been involved in something similar.  <response>: You rear ended someone - this is an at fault accident for you. Your insurance will sort out fixing your wifes car and the other drivers car. 