let the insurance companies fight it out. Thats why I have full coverage including uninsured/ underinsured motorists coverage. Yep its a huge waste of cash that whole $175 every 6 months. But if I ever need it.............

I have no faith in human perfectability. I think that human exertion will have no appreciable effect upon humanity. Man is now only more active - not more happy - nor more wise, than he was 6000 years ago. Edgar Allan Poe