That's a good point, Jinx. Several states in the US also have mandatory no-fault coverage, which includes not only collision coverage for both your car and any other you might hit, but also personal injury coverage for anyone hurt in the accident. I didn't bring that up, though, because it's not universal here.
-- Bob
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Then the horns kicked in...
...and my shoes began to squeak.
-- Bob
---------
Then the horns kicked in...
...and my shoes began to squeak.