Pretty much.
In fact, there’s an additional section that backs this concept up:
3. The degree of fault of an insured is determined without reference to,
(a) the circumstances in which the incident occurs, including weather conditions, road conditions, visibility or the actions of pedestrians; or
(b) the location on the insured’s automobile of the point of contact with any other automobile involved in the incident
Note that it’s without reference to. So things like weather are ignored. And the “circumstances in which the incident occurs” means they cannot take into account lower fault because someone was trying to avoid a collision or they cannot assign more fault if somebody was driving aggressively.
It’s all down to who was where and doing what when the incident occurred. No emotions, no “yes, but”, no extenuating circumstances. Cut & dried, black & white.
Here’s a handy version of the FDR to refer to. It’s worth a read so you know what to expect and highlights why you need to get pictures/video of who was where and doing what....
http://www.minkinsurance.com/Mink/media ... -CHART.PDF