Reform is needed to stop the ever increasing diameter of the liability circle. What ever happened to a individual being held responsibily for his own actions?

I was stopped at traffic red light several years ago and I heard this big bang coming from somewhere on the highway. 2 or 3 seconds later my car lurched forward as the guy behind smacked my bumper. Turns out a truck 4 vehicles behind approaching the light couldn't stop and he hit the car in front of him. This caused a chain reaction of 3 cars being pushed forward, ending with me as I was stopped at the light. Somehow I get sued from the guy 3 cars behind me. I was totally innocent of any liability, just a victim myself. Talk about a frivilous lawsuit without merit. How are such things permitted under the law? Why should my insurance company have to defend me when I was clearly not at fault? The only one guilty was the truck driver for speeding and losing control. Why would the driver 3 cars behind me think I was liable for the truck driver that hit him from behind? When it comes to lawyers and insurance co. something is broken and needs to be fixed to stop the BS from ever occuring.