Now it might not sound real but it happens. In a car accident, if those involved can't determine whose fault it is, the settlement is often determined by claiming to each insurance for repairs. No hassle, no cops, problem solved.
However, an idiot here carries over this "sub-culture" towards crashing onto people. I don't want to make it an insult or something, but if it happens, somebody tell him that it just won't do like in car-to-car accidents.
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