Here's a hypathetical.... If in the course of avoiding an accident where the other party is definately wrong, you come off and are the only effected party, is your accident "caused by the other party" or is it one of those accidents that is deemed to be caused by yourself? In the eyes of insurance companys, I mean. For example. I'm traveling around a round-about (indicating correctely, I might add) and a car decides to enter without giving way. If I chose to avoid being hit by giving it a squirt (braking isn't an option as it would leave me perfectly lined up for a running over) but subsiquently lose control and crash. Considering the other option would be to hope the driver sees me, and brakes in time who would be at fault? It's based on a possible outcome of something that happened this morning.