Anytime you crash it is your fault. Damn I hate it happened to you Ed but so glad to hear you will mend fast...Don't know how that truck didn't crush your leg!
And I am sure that when the insurance company sees your ambulance bill and Dr report they will know it wasn't done in the spirit of fraud!!!
I remember hitting a

on a rain slicked AR highway and crashing...The Trooper wrote me up for "Driving too fast for conditions" and then gave me a very stern look when I asked "What speed is appropriate for hitting a

?"
Bottom line was even though I was going 55 I lost control and it has to be someones fault! Now the truck in the story should have had a flagger, no excuses there and if the insurance company doesn't make Ed whole again he has a shot at proving their incompetence and getting a reasonable (not sizable) settlement just to keep their insurance from paying, but that is only if Ed's insurance company doesn't adequately compensate him for his loss...