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<p>[QUOTE=&quot;princeofwaldo, post: 1417838, member: 24091&quot;]You would be covered for such an unlikely scenario provided you made the choice by your own free will to insure yourself and loved ones against such an event.&nbsp; If the driver were drunk, the guy goes to prison.&nbsp; Under the current arrangement, you would need to go to court, spend years fighting with insurance companies, then even if you won (never a sure thing) a huge chunk of the settlement ends up in the pockets of the lawyers and the courts.&nbsp; What would change is the elimination of situations where your rates go up because someone else caused an accident involving a large settlement that had nothing to do with you or your driving.&nbsp; As it is now, on a winter day where cars are getting creamed left and right while you use common sense and stay home, still costs you almost as much as if you had been involved in the accidents yourself.&nbsp; Especially if you drive a Scion or some other vehicle prefered by younger drivers.[/QUOTE]</p><p><br /></p>

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