That's a bit simplistic, and not always valid.
The OP said he "swerved hard". There's a suggestion there that the offending vehicle moved suddenly and without signal at a point where "swerving hard" with commensurate lack of control was the only option.
Your statement in isolation makes sense, but there comes a point in an overtake where you are committed to an extent beyond which anticipation can keep you out of trouble, and where the only option left to you is emergency avoiding action.
You only need to have watched the recent Car Crash Britain programmes to realise how totally dangerously incompetent some drivers are. (Though, taking into account perspective distortion caused by wide angle lenses, I think that the reactions of some of the 'innocent parties' left something to be desired).
