Other driver's insurance says I caused a crash I wasn't even IN — now threatening collections??

That adjuster is absolutely trying to bully him into admitting fault or making a payment. That's a classic pressure tactic — the second he agrees to anything or pays even a small amount it can be used as an implied admission. Tell him to stop talking to them. Seriously, no more calls, no more "cooperation." They are not on his side, not even a little bit.

I worked in claims for years and I can tell you — when a carrier can't find a liable insured to go after, sometimes they cast a really wide net and hope someone panics and pays. The plate from a dashcam doesn't automatically make your brother the cause of anything. An adjuster saying someone is "100% liable" over the phone with zero formal investigation completed is a scare tactic, full stop. That's not how fault determinations actually work. There should be a police report, witness statements, maybe accident reconstruction. Has he even seen any of that documentation?

A few things worth knowing: (1) An insurance company for the other driver has no direct authority to force your brother to pay them anything. They'd have to sue him and get a judgment first. (2) The collections threat is real but it's also premature — they're skipping a lot of steps. (3) He should absolutely get a free consultation with a personal injury or defense attorney before he says another word to these people. Being uninsured is a problem, but it doesn't mean he has no rights or options.

Not legal advice, but your brother really should not be communicating with that insurance company without some kind of representation. Uninsured doesn't mean undefended — he can still hire his own attorney, and many PI defense attorneys do free consults. The uninsured status creates separate legal exposure depending on the state, but that's a distinct issue from whether he's actually liable for the crash. Those two things shouldn't get conflated. Get a consult.

Almost the exact same thing happened to a friend of mine — got blamed for a chain-reaction crash he wasn't physically part of. It dragged on for months but ultimately went nowhere because there was zero physical evidence his car touched anything. No damage, no paint transfer, nothing. If your brother's car has no damage that's actually a really important fact.

This is a lot of stress and I just want to say — the anxiety of dealing with something like this when you feel blindsided is genuinely awful. Make sure your brother is talking to someone and not just internalizing all of it. The legal stuff is solvable. Stress that goes unmanaged for months really isn't.

Three things: 1) Stop answering their calls. 2) Get a free consult with an attorney this week, not next month. 3) Pull together anything he has — photos of his car showing no damage, his route that day, anything that shows he wasn't in contact with other vehicles. Evidence disappears fast. Do it now.

I don't want to pile on but I do want to understand the situation better — did he stop suddenly for a real reason (debris, car cutting in, something in the road) or did traffic just compress normally and he hit his brakes hard? Because that context actually matters for how liability gets analyzed. Not saying he's at fault, just that the details matter a lot here.

Ugh, this is so scary to read. Your brother sounds like he's doing his best and just got caught in a terrible situation. Please make sure he knows he doesn't have to face this alone — even just having someone sit with him during a free attorney consult can help. Wishing him the best.