Let's see what happens

So my beloved Howard has challenged me to start a blog, with the specific subject being examples for auto claim files. I decided to at least try and take him up on it. This first post is the one from which the blog is taking its name:  Yes, it is your fault. 

Yes, ma'am, when you back your Suburban into a brick wall, it is your fault. I'm sorry that your vehicle is so big that you couldn't see the wall; however, the wall was there first, and it didn't suddenly change lanes into you, or slam on its brakes in front of you. It's a wall. And you hit it. Yes, it is your fault. 

Yes, sir, when you rear end a vehicle that is stopped, waiting to turn left, it is your fault. I recognize there may be some validity to the argument that,  seeing as there is no insurance on the vehicle you hit, it should not have been on the road, and had it not been on the road, you would not have hit it. Regardless, you did hit it, and yes, it is your fault.  

Yes, ma'am, when you try to drive an unfamiliar vehicle while drinking coffee, eating Snickers' Pie, and smoking a cigarette, go left of center and hit another vehicle, it is your fault. I realize that you couldn't see either the yellow line or the other vehicle when your head was below the dash as you were searching for your lighter but, be that as it may, yes, it is your fault. 

And yes, sir, when you get drunk, run a stop sign, strike another vehicle, take out a power pole, and leave the scene to go sleep it off in your motel room, it is your fault. The fact that you blacked out and therefore do not remember it does not change the police report, the other driver's report, or the three witnesses who all saw the accident. So,yes, it is your fault.

And THAT is just the beginning.