Technically this is a rant, but there is a relevant question at the end 
Having been on the roads for just under a year now, I've almost been involved in roughly six accidents. All of them either involved a Porsche, an Aston Martin, or some absolute spastic driving a 1.2 VW Polo.
http://local.live.com/default.aspx?v=2&cp=51.244644~0.206702&style=h&lvl=16
This hill is seriously steep, and bendy, but there is an overtaking zone at the start of the first bend. What usually happens is there'll be a stream of solid cars going up at a fair speed, say 40-50mph, then you'll get some guy in a supercar who thinks he can pwn everyone. Having gone up to about 110mph, they then realise that a) there is no where to pull back in and b) if you look above you'll see the next turning, which causes a large queue of traffic. This leaves poor old unexperienced learner driver - me - practically having to do an emergency stop to let the idiot back in, risking my own life as the car behind is usually also up my arse.
I just don't get why people drive like idiots in extremely dangerous places. This has happened to me several times now, and I swear I have been inches away from a serious accident.
If an accident were to occur, technically whoose fault would it be in the eyes of the insurance companies?

Having been on the roads for just under a year now, I've almost been involved in roughly six accidents. All of them either involved a Porsche, an Aston Martin, or some absolute spastic driving a 1.2 VW Polo.
http://local.live.com/default.aspx?v=2&cp=51.244644~0.206702&style=h&lvl=16
This hill is seriously steep, and bendy, but there is an overtaking zone at the start of the first bend. What usually happens is there'll be a stream of solid cars going up at a fair speed, say 40-50mph, then you'll get some guy in a supercar who thinks he can pwn everyone. Having gone up to about 110mph, they then realise that a) there is no where to pull back in and b) if you look above you'll see the next turning, which causes a large queue of traffic. This leaves poor old unexperienced learner driver - me - practically having to do an emergency stop to let the idiot back in, risking my own life as the car behind is usually also up my arse.
I just don't get why people drive like idiots in extremely dangerous places. This has happened to me several times now, and I swear I have been inches away from a serious accident.
If an accident were to occur, technically whoose fault would it be in the eyes of the insurance companies?
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