[quote=flyer]The problem with trying to collect after an accident is always the looming possibility that the offenders don’t have much insurance, if any at all, and very little net worth.

When you look at the stats, the high percentage of low net worth people these days is really scary. Can only imagine how much worse it’s going to get in the future.[/quote]
It’s likely that someone driving a X5 have sufficient insurance and a decent size net worth. I personally wouldn’t do it to someone with a 1990 Toyota Corolla, but it’s quite different with a 2012 X5 or Cayenne Turbo :-D.