<prompt> Human: Hi,Near the beginning of June my girlfriend was in an auto accident. Traffic had stopped for construction and she was rear-ended while she was stopped and pushed into the car ahead of her. She went through insurance who totaled the car and we thought she was done with it. Now she has just been contacted by a debt collection agency for an insurance company. This is a different company from the insurance company she has so I have to assume its from the insurance company that the driver of the first car uses. Why are they contacting her since she wasnt at fault? Shouldnt the insurance agency have tried to collect from her instead of the first notice of this being from a debt collection agency? Why would they come after her instead of talking to her insurance agency or the driverinsurance of the guy who caused the accident?Thanks!  <response>: Making sure I have this right: Car A behind your gf rear ends Car B your gf, which in returns rear ends Car C other guy - do I have this?Ive seen this before, but without more details I cannot say for certain - I know that Car A is not always responsible for Car C in this situation - assured distance is the first thing that comes to mind here, which would fall on Car B for Car C. 