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On the liability, that's not necessarily true. I've been hit whilst filtering in the UK and it went as 50/50, despite it clearly being the drivers fault. Friends with better representation, have managed to claim in full from the drivers. I don't know anyone that has been found to be at fault in filtering incidents. Insurance companies are f'ing lazy, if they can rule 50/50, they will.
Jung-
yeah I meant more if you're flying down between cars, it'll never go your way. And police might even prosecute for dangerous driving.
Claiming in full for a filtering issue is really good going.
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Google Davis vs Shrogin. If you're filtering through stationary or very slow traffic it's not your fault. Your insurer was indeed just lazy.
skinny
Hefty
Filter at 20mph above traffic speed max. Filter up to traffic doing 20mph.
20/40rule too.
Sometimes you can go faster but sometimes slower too.
Just use common sense. You'll the one that'll get done if shit hits fan.