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Auto insurance payment?

Last Thursday I was involved in a car accident which involves 3 cars in one lane. My car is in the middle. I filed a claim with the insurance company of the car that hit me. I talked to an adjuster who was assigned to this case. She said I hit the car in front of me, then the car behind hit me. Therefore, I should pay the damage to the front of my car. Is this true? Even what she said is true, when I was hit, it further damages the front of my car (and back of the first car). Shouldn't the 3rd car also take some responsibility for the front side damage of my car? I tried to contact her again on this Monday and Tuesday, but could not reach her. I left message on Monday but no response. What should I do? What can I do if the insurance just keeps quiet? My insurance doesn't cover collision so I have to pay to repair my car. And my insurance won't help for my damage. Thanks for any advice.

   








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