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.
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.