Are you automatically at fault in a rear-end accident regardless of the circumstances?

In a rear end situation, the person rear ending the car ahead of him or her is not always at fault. The deterimination of fault is a legal determination made by the trier of fact (judge or jury) after review of all of the admissible evidence.

If you have auto insurance, the best way to try and resolve the situation you are writing about is for you to tender the claim to your auto carrier. The company who called you cannot revoke your license as a result of the claim. In fact for its representative to make such a representation to you, very well it has violated your state's unfair debt collection practices act as well as the federal statute on the subject. Perhaps you might wish to consult with an attorney who practices law in the area of insurance matters?