[fredjacksonsan]

Hi, and Welcome to AF.

Sadly you are correct - you are the at fault party in the accident, and as such your friend's insurance will be paying for the front and rear of the car you hit, and the rear of the car in front of that.

I don't know what happened with the sharing of information at the scene....did you give them your (friend's) insurance info? Maybe they figured that since you were at fault they wouldn't have to give it, but it was bad form for them to do that, since all the insurance companies involved will have to contact all the drivers.

There's no "right" that I know of to collect insurance information at the scene, and in many states there is no legal requirement to give it out. It's just a good practice to do so and let the insurance companies do what you are paying them to do. If someone refuses to give their insurance information, simply report the accident to your company and they'll handle it for you.

Hope that helped, please let us know if you have any further questions.