Sounds like here. Dump truck driver would be ticketed for failure to reduce speed to avoid an accident or too fast for conditions (winding road--heavy vehicle) or something like that--might be dropped if he goes to court and his insurance supplies a letter that they are accepting responsibility saving him points on his license. But given his insurance accepts responsibility he'll get insurance points anyway and his rates will go up. This is due to differences in a criminal vs a civil trial if things went to court. Criminally he might be able to fight the ticket and win but the insurance company worries about civil suits which would be closer to dump truck guy proving his innocence vs the horse trailer guy proving the dump truck guy was guilty. And unless it was night time that unlikely. They expect you to be able to stop to avoid and accident do matter what the other driver is doing.
The horse trailer guy would be cited for no lights, no insurance but he wouldn't be liable for the accident.
Sucks. really sucks. We have to be on-guard 24/7 for stupid actions by others and make sure they don't lead us to being involved in an accident.
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