My husband was in the middle of a 4 car sandwich last year. He rear-ended a guy (call him car 2) who rear ended someone (car 1) and was rear-ended by a lady (car 4). The insurance determined he was to blame for the guy in front of him but the lady behind him had to pay for the rear end damage because she should have been able to stop. Screwy thing? The guy he rear ended immediately told the cop if my husband hadn't hit him he wouldn't have hit car #1. My husband did rear end the guy first but our insurance refused to pay for for car #1. But at first they were saying we would pay for 3 of the 4 cars. After reviewing it they said guy in car #2 should not have been able to rear end car #1 if he was using appropriate following distance/speed. So it may be little old lady's fault for your bikes and I am stereotyping but she probably carries enough insurance if she has a Laredo.
Those multicare rear end wrecks get really messy, don't file a claim with your insurance yet but you might want to talk to your agent ASAP.
Amanda
2011 Specialized Epic Comp 29er | Specialized Phenom | "Marie Laveau"
2007 Cannondale Synapse Carbon Road | Selle Italia Lady Gel Flow | "Miranda"
You don't have to be great to get started, but you do have to get started to be great. -Lee J. Colan