Graeme Cant gcantinter@tnodedotnet wrote:
Like when I hit another car from behind, prima facie it's my fault.

I'd bet that is no longer the case. There is an insurance fraud tactic
where the perps deliberately cause rear-end accidents by pulling in front
of an innocent driver's vehicle and slams on the brakes. See for example:

http://personalinsure.about.com/cs/v.../aa062203a.htm