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IMO, most motorcyclists have no idea what their panic stopping distance is and could not perform one (without crashing) if you asked them to. Many of the in-vogue choppers have no or lousy front brakes, extending the stopping distance.
In this case, I think blame apportionment is appropriate, and I give 80% to him for not stopping, and 20% to her for stopping when she shouldn't have.
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