You’re sitting at a red light on the West Loop, minding your own business, when: BAM : someone slams into your rear bumper. You’re dazed, your neck is stiff, and the police arrive to sort it out. You assume the truth is obvious: you were stopped, and they hit you. But a week later, you get the Texas Peace Officer’s Crash Report (CR-3), and your jaw drops. The officer marked you as a contributing factor. Maybe they claim you made a sudden stop, or your brake lights were out.