Which, in this age of cheap ubiquitous dash-cams, isn't nearly as likely to be the "inconvenient waste of time but zero financial risk" deal it used to be
Edit: Since apparently this needs explaining, insurers will consider evidence and happily doll out blame to a party that does something dumb in proportion to their fault (with slight variations per differences in law from state to state). The fact that said dumbness results in the back of your car getting hit with the front of another only matters in the base case in which no other reliable information about the situation is available. In the case of a car that just stops in the roadway with no reason to do so some of the blame is likely to land on the driver thereof. Insurers are well aware that the rules of the road are built around redundant requirements so that crashes don't happen when one party can't or won't hold up their end. Infantile "but the other guy is responsible for.." arguments don't tend to hold much water with them when there's evidence (video or otherwise) that in the events that lead up to the accident your hand was no more forced than the other guy's were because both drivers are still bound by whatever the default responsibility to operate their vehicles in a safe manner is (wording varies by state).