my car accident yesterday. bummer!!!!

[gtfpv]

well yesterday at 6.20 am (saturday) i was drivint to work in my EL FUTURA. not the gt . i was in the M5 motorway tunnel i was in the right side lane just exiting the tunnel doing 70 to 75 km/hr uphill. it was sprinkling and the road was wet . as you exit the tunnel you are travelling up hill on a left hand bend . i was in the right lane and had a distance of about 4 car lengths to the car in front .to my left was a car travelling the same speed as me about 1 car length in front of me.he was tailgating a high truck .anyhow the car in the left lane accelerated and changed lanes right in front of me obstructing my view ahead as he changed lanes he braked for a split second i assumed the traffic was slowing ahead and started to brke too but to mysurprise inoticed he was slowing quite fast so we'd just exited the tunnel so the road became from dry to wet,oh no trffic jam i was on the brakes already but because he had cut in front of me no room to stop he's wheels locked up so did mine. i dont know how but for somereason his car was hauling up faster than mine his car xf . my car el with abs and tyres almost new . go figure anyhow no where to go now i braced for impact and hit the back of his car at about 40 kms an hour his car went airbourne and to the left back in to his lane and straight into a concrete wall and my car stopped about 1 metre from the car that was origionally in front of me as would have if he didn't change lanes. no one was hurt . i nice muslum woman was broken down in this right lane and standing on the road. becuase my car being the 3rd one back from this one knocked the 2nd one to the left the woman was not hit . i couldnt believe no one was hurt . both my car and his needed to be towed away his was mashed front and back write off . mine about $4000 dollars i'd say or maybe write off.( value 7200) my insurance company is queerying who is at fault on this one. what do you think .?????
he cut in front of me and had to suddenly brake hard causing a collision . i had a safe distance to the car infront of me and he cut in . there was nothing i could do to avoid this.
i have always kept a more than reasonable distance to cars in front of me as a result of rear ending someone 20 years ago as a p plater. never had an accidnt since .but people in traffic always change lanes and fill the gap .
now my method of reasoning has failed me completely keeping a safe distance behind the car in front . has brought me down just as much chance of having an accident as a tailgater. spewing .