Re: I was in a car accident this morning (No one was hurt)
First and foremost thank God no one is hurt.
Secondly, my wife has been rear ended at least 3 times in 5 years and always by a motorist with lapsed insurance. Sadly enough we our choice are repair it out of pocket,go through our ins company or let it be. Regardless of who's at fault, a police report generates an incident report and insurance companies can and will raise your premiums whether you file a claim or not. The y feel if there are enough incidents,even though no claims are filed,you are considered a risk.
Lovely ain't it.
The Constitution is suppose to guarantee everyone the right to life, liberty and the pursuit of happiness, but the Constitution does not guarantee everyone equal outcomes.
Some people are more talented, educated, thieving and dishonest than others.