I agree with vteckidd 100%.

Sure accidents happen... A deer ran in front of you, a tire blew up, etc...
But someone hit the breaks too hard? If you would have kept a safe distance and were not speeding you should have more than enough time to break.
Maybe you didn't have time because you were following too closely?? Maybe a little too closely? lol

Either way... I'm sorry to see this. Nice car gone to waste... And you will hate your insurance.