Case from judicial practice.
Accident involving BMW and VAZ 2109
The insurance company recovers from the driver nine damages above the sum of the OSAGO.

Insurer: Defendant Ivanov I.A. He caused material damage, committed a gross violation of the regulations, did not take into account the road situation, did not choose the appropriate speed mode, did not give an advantage to the applicant's car... (and in this spirit 40 minutes).
Judge: The defendant, please, now you are given the word, can explain your objections.
Driver: Nihira was not so!

The court found mutual guilt.