I was involved in an accident yesterday where my vehicle was totaled. I do have full coverage and I have Bodily Injury: 25/ 50 Property Damage: 25 and my deductible is $1,000. The driver who was in front of the car I hit slammed on his brakes causing the SUV driver to do the same. I was going 35 mph and put my brakes on, but the car didn’t stop fast enough and I slammed into the back of the SUV. The driver of the pickup in front of the SUV didn’t have a valid drivers license or any insurance so he wasn’t supposed to be driving at all. Will his insurance cover my vehicle or does my insurance company have to cover the damage?