I wonder about insurance companies .
I was run into at a traffic lights some years back, I'm 7 or so cars back in the line when in rear ended.
I'm pushed into the car in front of me , and it into the next car.
Cops book the guy who caused it all,
And the NRMA finds me at fault and cancelled my insurance.
Figure that one , anyway I could not get insurance after that for quit a number of years.
Saved me a lot of money
Bfit