In America 🇺🇸 any car 🚗 that don't have an insurance shouldn't be on the road. It doesn't matter if you are right you will always wrong because your car shouldn't be on the road if no insurance. In America 🇺🇸 it doesn't matter if the car infront of you stop in the sudden or not, you're always wrong by rear end someone else. It's your responsibility to keep a distance far enough to safe yourself from rear ended someone else car like that. That's why American laws required all vehicles to have insurance in order to be on the road.