My mom and I were involved in a 3 car accident. We were the middle car. The car in front of us had come to a complete stop in bumper to bumper traffic. We made a sudden stop but stopped completely. Seconds later the car from behind us hit us with great force sending us into the car in front of us. Our car had the most damage, totaling the car, while the car in front of us had the second most damage. The car in the back may have had minor cosmetic damage but no severe damage to her front bumper. The driver in the back is claiming that we hit the car in front of us before she plowed into us. Due to the physical evidence and damage of all three vehicles the insurance company seems to be baffled by the fact that the car in the back has no serious damage while our car is totaled. How is this physically possible? I am baffled myself but know for certain that our vehicle was stopped and that there was one severe impact from the car behind us. As of right now it seems like they are assuming that we were at fault.