[quote=flyer]You’re probably right AN, but accidents are so random, that you might not be able to make that choice.

Also, outward appearances can be deceiving. Sometimes people who “appear” to be wealthy, or well-insured really aren’t, and, unfortunately, in the case of an accident, you won’t know that until after the fact.

Guess that’s why we try to avoid these situations as much as possible by trying to be extra vigilent.[/quote]

But at lot of time the stereotype is spot on. That 85 Toyota Tercel holding up traffice by driving right at the speed limit? 9 time out of 10 the driver has no insurance and probably doesn’t have a drivers license.