Interesting phrase, 'no fault of their own'. I have a mole. It is a fault in my skin. Is it my own fault? Is my flesh my own?

If I had a limp resulting from a car crash, would this be a fault of my own? If I were driving? If I struck another car from behind? If I drove off a bridge? If my name were Thelma?

'Just asking questions' as they say on TV.