You can be found not at fault in a crash but it was caused by the drivers lack of skills,being going slower than posted in the wrong lanes ,braking too early and often causing traffic to bunch up, the person petrified by there own shadow holding the wheel in the preying Mantis fashion.
Personally i can;t stand people who are scared to drive ,they cause more crashes by having to avoid them to carry on with life.
This guy should have just pm'd me to ask about insurance since it was only a comparision question ,but he can;t since he is new.