whose fault ? opinions ?

[Slaninar]

You brake to hard and lock up, you don't brake hard enough you hit the car, just the right amount is often down to luck. Some times you get away with it sometimes you don't.  Bad luck this time.

I'd rather not brake hard enough and hit the car upright. Fly over the car. Roll. It has worked fine - three times on a bicycle, once on a motorcycle.

Slow down as much as I feel it's possible without risking front wheel skid. Then hold the bars tight to roll over them, not hit your head. Balls can slap painfully on the tank though.