If the road fell out from underneath you or God dost smite thee with a meteor, that is an accident.
Your "accident" was clearly a crash and there were things you could have done.
However most people feel it is easier and less damaging to the ego to ship all responsibility off on to others for stuff that happens to us.
I haven't had an accident that wasn't my fault. I'm always amazed that no one else can see that they contributed to whatever incident they were involved in, irrespective of whose insurance has to pay out.
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