Q: A car was driving in front of me and stopped suddenly I tried avoid hitting the car but didn't is it completely my fault
A: Most likely the insurance will consider it so. Was there a reason for it stopping? If no reason you may have an argument that the person was "contributorily at fault," but you are supposed to leave enough room so that you can stop if there's a sudden emergency in front--a child or dog runs into the road, the horse pulling an Amish buggy takes fright, etc.
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