Originally Posted by unfocused1
question: If some twerp hits me, and there is absolutely zero chance I can get out of the path of a person in front of me, is it really 100% my fault for hitting the other guy?
With the impetus of the first person hitting me, that should have some merit as it was the first person's actions that directly resulted in the whole chain of events?
it depends on whether your state is a "No fault" or "At Fault" state. California is a "At Fault" state, therefore who ever was the cause of the accident is where the blame, and the costs, go.
In a "No fault" state, there is no fault placed. Someone hits you, it's their fault. You get pushed into car in front of you, well, then that's your fault. They go after your insurance, while you go after the guy who hit you.
At least that's the way my agent explained it to me (and if I remembered it correctly).