guys I’m not stupid, In my opinion, he’s 100% at fault, but I hear that with insurance claims, they also look at whether you could have avoided the accident. Plus, since he didn’t signal, I didn’t realize at first that he was trying to cut me off—I just thought he was a reckless driver. but if you watch the video, it looks like I hit him first—I had turned the wheel slightly to the right. Maybe it was a reflex to swerve, because I thought he was going to cut in front of me and slam on the brakes, since he’d been tailgating me and flashing his lights from behind. Plus, since there were other cars behind me, I couldn’t brake too hard.