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If I went 15 slower, there would have been no accident. The whole thing wasn't even my fault.

This seems contradictory. Do you mean the other driver was more at fault?

Probably in the sense that at a slower speed, op would have been able to avoid the bad driving from the other driver. Assuming that OP was driving at 60kph originally, a 15kph slower speed equates to a roughly 0.75 extra seconds of reaction time (assuming braking acceleration is roughly 7.5m/s2). Given that an average humans reaction time is somewhere between 0.25-0.5 seconds, that means 15kph speed difference would have allowed OP to react and affect the situation. Even at higher initial speeds, 15kph gives your more than half a second extra time.

I was driving the speed limit, and the other driver didn't follow the rules.

If I drove slower, I could have made allowances for the errors of others. Defensive driving is the best way.

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