Auva'a has third-party insurance on her late-model Hyundai, which she expected would be written off.
''At least it went out in a blaze of glory.''
University of Otago student Tahlia Moir, of Roxburgh, said she was travelling south on State Highway 1 in Cumberland St and had stopped her Nissan Pulsar at the traffic lights at Museum Reserve.
She was waiting for the lights to change when Lynch-Hines' Honda CRV crashed into the back of her car about 9am.
Moir's car was the final to be hit in the ''chain reaction'' crash on the one-way stretch between Union Pl and Albany St.
It looked like a black Subaru Legacy hit the back of a red Hyundai Sonata, which hit the back of a blue Honda CRV, which hit Moir's Nissan.
The four-car pile-up blocked the left lane of the road, forcing traffic to converge into the right lane.
Auva'a said about 10 minutes after the crash, a car and a Kenworth logging truck collided at the next set of traffic lights further north on the same stretch of road.
A St John spokeswoman said no one was injured in the crashes.