I was in a 4 car accident, four days after I got my drivers license. I was the #2 car in a line of 4. We were going up a steep hill and the old junker in front of me suddenly stopped in a place where stopping would not have been expected. I stopped in time, the sports car behind me stopped in time, but then a big SUV came up behind and didn't stop. They hit the sportscar, which hit me, and pushed me into the car in front of me. We all got out of our cars. The sports car looked like hell, because most of the paint popped off its fiberglass body. The guy in the junker took one look at his back bumper, decided it was okay, got back in his car and left without giving anyone his insurance info. My car looked okay, and I was too rattled and inexperienced to realize both of my bumpers were probably damaged, so I gave my insurance info to the girl in the sportscar as a witness (but didn't get hers, or the guy in the SUV's), and I left too. An hour later, after calling my fiancée and discussing the situation I called our insurance company, explained the situation and was able to give the date, time, place and a description of the cars involved. My bumpers did turn out to be damaged and, thankfully, our insurance company was able to sort the situation out.
As far as I know, it all got put on the guy at the back of the line in the SUV. Maybe it would have been different if the guy in the first car had wanted money, but since he took off there wasn't anyone around claiming to have been hit by me.