If I'm not sure I'll err on the side of caution and apologise. It doesn't hurt me to apologise and if it was my fault it's only right that I should.
I used to apologise even when I knew it was their fault, because I'm a beginner and it therefore probably was my fault in some way that I'm not aware of, but I don't do that any more. I now have the confidence to know when an accident was not my fault.
However, I do get annoyed sometimes when it was obviously someone elses fault and they make no attempt to apologise. I try to lessen the annoyance by reminding myself that I am a better person than they are simply because I choose to use my manners. It usually works.
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