Silver-Fox
LIFE MEMBER
Hitting anything from the rear, will be regarded, certainly by insurers, as YOUR fault. Lighted or not!.
Not always the case.
A mate some years ago hit a car in the rear in his car.
The one he hit was parked on a main A road just around a corner unsighted.
The parked car owner was deemed at fault by both insurer and the police.
Also you can be deemed at fault if you break heavily for no reason causing the following car to run into the back of you.
I guess this is to counter the dodgy insurance claims by those scam people.