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Yeah I've been thinking about it a lot, much of the blame lies with me. Add into the equation that I hate the current blame culture in the UK, and I really just want to leave it. My mate isn't happy about this (he was quite shaken too) and so we're gonna call and see if we can have a chat if the driver is about on the way home.
yoshy
Maybe a very small percentage, but the majority of the fault is yours for not anticipating it and being too close to your mate when he hit the brakes.
I reckon you'd have no chance of making any kind of a claim against the driver (or your mate).
Look at it another way and take the car out of the equation; if you'd been riding behind your mate and his chain had jumped off the sprocket and locked up his rear wheel, and you'd ridden into the back of him, who's fault is it?