I have lost faith in the justice system. - Is common sense outlawed?

[onehung]

Where has the sense of personal responsibility gone in this country?

No shit.
You live in a country where people will blame others for their own mishaps.
Doesn't matter if the guy behind you was fucking his 3 year old son in the ass. What he does or did is his business. Your business was to pay attention to what You were doing in your car. You weren't, So. the insurance company has every right to charge you. get over your woah is me bullshit and take responsibilty for being a shitty driver.