Even though I ' d like to say that it was partly his fault for braking so suddenly due to a speeding car on the merging roadNot to be a dick , but this is still 100 % your fault . If you were paying attention , and not following to close like you were , you would have had more than enough time to react accordingly . Rear ending someone , short of them backing in to you , is always 100 % your fault . As far as injuries are concerned , you ' re just guessing . I ' ve had whiplash myself , and it isn ' t instant . It took me a couple days for it to fully set in . And it doesn ' t take much , for all you know the driver could be fucked up and you ' re just worried about your wallet . <| sep |> They were usually quite good , actually . I don ' t really know why it became such a disaster that time .