You are not answering the question are you?
"If the dog had not run into the road because it was on a lead, would an accident have occurred in this case?"
As I have said, the dog is completely irrelevant. The person in the mini managed to stop. The young man following did not.
You might just as well argue that if the dog's owner had not been born, then the dog would not have been there - hell, let's go back and blame Henry Ford, because if he had not invented an efficient production line for the motor car, then the mini (and the following car) would not exist, and the accident would not have happened.
Simple facts : Dog runs into road.
The mini brakes, and stops. No collision. Driver in car further back does not stop, for whatever reason, and runs into back of stationary mini.
Cause of accident : driver in second car was following too close, driving too fast, not paying enough attention, or had faulty brakes.
That's the way the insurance company will look at it. Rightly so, in my opinion. You feel differently. Good for you.
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