The reason is that you should be responsible if you are indeed responsible: Insurance fraud is very real. See https://gizmodo.com/people-throw-themselves-at-car

The reason is that you should be responsible if you are indeed responsible: Insurance fraud is very real. See https://gizmodo.com/people-throw-themselves-at-cars-for-money-more-often-th-1695698432 https://gizmodo.com/people-throw-themselves-at-cars-for-mone...