I reach down to pick up an object and drive into a mailbox.

I rubberneck an acident and hit the car in front of me.

My shifter **** falls off. I'm startled, and back into another car.

These are all cause and effect. The first two examples were my fault. The third was not. Rich, you should have all damages repaired at no charge by DC and they should be thankful it was only a vehicle you hit.