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Cyclist crashed into my car
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                                             um, as the second party has to be there for an accident to compose two parties, just being there is a "contributory factor" (contributory factor should not mean contributory blame or wrong on the second partys fault)
 um, as the second party has to be there for an accident to compose two parties, just being there is a "contributory factor" (contributory factor should not mean contributory blame or wrong on the second partys fault)

