Well, the first time I got in an accident and it was my fault and the insurance people were not very helpful. A few days ago so girl without insurance rearended me on the freeway. This time they have been very helpful and my car is already lined up to get fixed and I have a rental to use while it is being repaired.
They are also sending a collection agency after the noninsured girl try and get my $500 deductible and their money back.
I think it's time for tougher penaties for those who drive and hit other people and don't bother to follow the law and get insurance. I am just glad my policy covered my car even when it wasn't my fault.