>  Sounds fair. First you are in a dangerous car accident which might
> have even costed your life, and then you have to pay money for it.
> Yeah, fair.

Fair if you could have avoided the accident (eg by going slower or not 
following so closely).  If it was completely unavoidable then I can see your 
point, but who else is going to pay for it?  That's what insurance is for.

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