Help Me Settle This Argument

In my defense, I never said it wasn't ALL MY FAULT. My friend Gubby and I have an ongoing argument. HA -- many ongoing arguments. But this one argument that keeps coming up is driving me a bit nuts, and maybe all y'all can weigh in for me. About three years ago I got in a car accident, my first. No one was injured, and I didn't even get a ticket, but it was completely, 100%, inarguably MY FAULT. I shot across a busy intersection without having a clear view, in a split second, for no reason I ca