Scenario: You're travelling on the highway with stop and go traffic. As a driver (Car A) you are distracted (starting at the sky, changing the radio, on your cellphone, whatever). Suddenly traffic in-front of you comes to a stop and you gently rear end the car in-front of you (Car B). The car behind you (Car C) does not stop in time either and rear ends you. All drivers emerge from their cars and communicate. Car B makes it clear that Car A was at fault for hitting him. Due to a language barrier communication with Car C is not very clear. There is no damage to any of the cars and no insurance claims are filed.
Aftermath: 2 months later you go to change insurance companies and they bring up that you were at fault in this accident. You were reported at fault by Car C who in fact rear ended you (no claim was made, only at fault accident reported).
Question: Are you at fault for the fact that Car C read ended you? Can this accident which is now appearing on your insurance be disputed as Car B did not report anything? Essentially I'm just wondering what the odds are that this can removed from Car A's record.