Whoever is really at fault here i agree the OP's insurer is going to be stumping up.
It does smack of a crash for cash scam though, the lead car clearing off a strong indicator, we can't mention types of people likely to be involved even if it's true, hopefully this will change (too late as usual) as the country deteriorates further.
If the OP is a victim of a claim scam then he isn't the first and definately won't be the last, all the more reason to fit dash cams and to be on your guard at all times.
There is no way that the OP could have triggered ABS operation and the cars in front outbraking him on engine and handbrake deceleration alone (unless they were winter tyred on ice/snow when its feasable) especially given the impact speed differences to write off several vehicles, so either brake lights were out for some reason or the OP didn't notice the closing gap and left his braking far too late to recover or a combination of all.
Edited by gordonbennet on 29/12/2014 at 11:23
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