Swerved to avoid *something* in road, a rabbit I think. road was icy=game over.
Yeah sure, that's the story for the police and the insurance company.
Now just between us, what's the truth?
One of the jobs I've done in my life is crash investigation, and I can tell you that one of the ways the experts judge whether a driver is telling the truth is whether the story they are telling lacks detail, then when they are questioned and they realise they're not being believed they invent it. "It must've been a ..." The police and the insurance company claims people will be thinking to themselves that if your story was the truth you'd know what it was you swerved to avoid. That no-one swerves so hard to avoid a small animal like a rabbit that they lose control and roll their car. A large object or a large animal, one that your reflexes would immediately identify as a threat, definitely, but a small animal, definitely not.
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