No, I don't drive that much. Most of my driving is in bumper to bumper traffic on 3-4 lane roads, though and people do tail gate a lot. None of the accidents have been because I've braked too hard. Of the most recent accidents, two were due to people not checking their blind spots while changing lanes. One, I was waiting at a stop light and the car behind rolled into me. And the fourth, a neighbor backed into me. Most of the accidents I've been in are after having been stopped at lights for nearly the entire duration before the accident occurs. The worst, I got hit by a guy speeding in a 45 mph zone while stopped at a light. He totaled his car. I've also had several hit and runs while I wasn't even in the car.

As I stated in my post, most of them are due to people being inattentive and not following the basics like keeping a reasonable distance checking blind spots. Others I suspect phone use, but can't prove it.

Yeah, the “I'm like 5 sigmas deep in the probability distribution but I bear no responsibility” sounds a bit suspicious.

> or do you brake too late / too hard

You mean live in a place where drivers tailgate?