People who feel guilty will over explain to justify their actions.
I do insurance claims. I don't need to know why you backed into a pole, I don't care. It's covered, all I need is the incident and damage description. But man some people feel so bad about it, they won't stop going on about how the sun was in their eyes but they should have looked better and they can't believe it happened, and they have a reversing camera and sensors which were supposed to help but they didn't and they're so angry with themselves and it's a new car and they can't believe they've done this.