Quote:
Originally Posted by r00t
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assuming this was your first mistake, should have denied denied denied. If it was true every moran would cut off semi's and slam the breaks for brand new cars and free money
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No, he's right--and people don't regularly allow eighteen-wheelers to hit them because that act results in death.
It's important to realize the at-fault determination is made by the insurance company and they essentially make their own rules. You can be stopped completely at a red light and have the dude in front of you put it in reverse and back into you and the insurance company will deem you at-fault for coming to rest too near the dude's rear-bumper.
If the front of your car strikes the rear of another car you are pretty much going to be found at-fault, but that's okay. Sometimes a not-at-fault will actually increase your premium more than anything--because the company can decide you drive in dangerous areas and that can be a more damning rating factor than your driving record.
In the end, it's a strange game--and the only winning move is to leave the scene of the accident before anyone can jot down your license-plate.