I'm not saying it's the fault of the other driver. There was no one single person to blame. Had any one of the three of us not been there the accident wouldn't have happened, but that doesn't mean any of us are to blame.
I was there, and did my best to avoid an accident given the circumstances I found developing.
Rupert (the white car) was there, and did his best to avoid an accident given the circumstances he found developing. His alternative was to hit Nick (the blue car), but human self preservation instincts kick in.
Nick was there, and did his best to avoid an accident given the circumstances he found developing.
A combination of circumstances (Nick: understeer, Rupert: car in front understeering and slowing excessively, Me: Car ahead changing line mid corner) led to the accident, but that is not to partition blame to any one individual.
3-1 does go if two are being lapped and have apparently stayed to the left to let me through.