If the police report says that you were at fault in the accident for following too closely and hitting the car in front of you or driving too fast for the rainy weather, you won't be able to recover compensation for the damage or loss of your car.
If the police report says that the driver who cut off the car in front of you was at fault in the accident, if that driver is apprehended, you could file a claim with that driver's insurance carrier. If that driver either does not have insurance or is not located and is presumed to be uninsured, if you have uninsured motorist coverage, you could file an uninsured motorist claim through your insurance company for compensation for the damage or loss of your vehicle. If your car is a total loss, you will only receive a fraction of its value. Again, this is only applicable if the police report says that the driver who cut off the car in front of you is at fault in the accident. If the police report says that you were at fault in the accident, you won't recover any compensation for the damage or loss of your vehicle.
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