Most of us have gone through that, I suspect. As I said, the more you drive, the more you understand where the next dumb move may come from, and you'll protect yourself better.
In regards to fixing the problem:
not easy, you know. How would they go about doing that?
In essence, you have 2 objects (your car and someone else's). How do you assess which car is to blame in a collision? Speed per se is not enough; trajectory neither. As you can't judge intent easily (it's a rather complex subject in AI or behaviour pattern recognition), you're left with speed, direction and steering input...iRacing's algorithm's for this may be vastly more complex than this.
Say you're hit from behind. Whose fault is it, from an external observer's POV? The guy behind could have avoided you, but it could very well be that even without brake testing the guy, you could manoever your car so that you're in his path and a collision is inevitable. Or it could simply be that you get spooked by the speed he carries and you try to manoever out of his way but instead end up getting in the way...
It's simpler, and probably less prone to problems in general, to distribute guilt between both parties in a collision/contact.
Not a perfect system, but if everyone knows the rules everyone must live by them.
It may very well be that in the future, iR's algorithms for collisions/contacts improve immensely, lets hope they do.
Addon:
just remembered a talk we had at NoGrip about this subject, a long time ago. Someone suggested that maybe contact/collision responsibility-attribution could be controlled (mathematically) by the INC's record of each driver - meaning, when assessing the outcome/origin of the event, the driver with the worst INC's record would be penalized more. It could work - problem is, rookies, for instance, even those who really want to drive and learn, are obviously more prone to having a bad INC's record, so such a system would only extend their problems far longer - probably causing rookies to simply give up on iRacing (and that...FIRST wouldn't want for sure).
The best advice anyone can give you would be (I think) this: until you reach that point where you know for sure where the incidents may occur with other drivers, stay out of the "first corner rush", especially considering how many think that 3 cars side by side is great fun (who's the chicken?).
And build your ratings, so that you can get out of rookie and D.
Perhaps you've read this already, perhaps not, but there's something interesting in there about this subject:
http://www.iracing.com/safety-ratings-a-cure-for-the-mayhem-in-online-racing-games/
