...I think that's just human nature; we don't fess up to our mistakes or think that we could do something wrong.
Everyone thinks that they're right (hence the arguments I get into with my fiance, lol), but were not... An accident is almost NEVER just an accident (no one's fault), it's usually ALWAYS someone's fault.
(you know what an accident is, when a deer jumps out in front of you, there's usually nothing you could've done differently with that... well, slow down around trees and use your brights)
The number 1 reason: you're NOT paying full attention!
you could have:
-been going slower
-looked around you
-slowed down before the intersection
-anticipate possible outcomes
-been more defensive
(all of these apply to riders and drivers)
^those are the things people should say when they get into a collision, "I'm sorry, I wasn't ________"
...obviously per your insurance company, don't admit fault
BUT, in general, people need to own up to their actions, I and everyone else is guilty of that!