werd.
its hit and miss, if your on your P's and drive a car like we do that in reality is illegal for us to drive anyways, insurance is a win lose situation, you may get lucky, you may get stung bad, it depends, the easiest way... is to not drive like a dick and smash your car therefore you wont have to put in an insurance claim. and if by chance you do ( which god forbid ) then its a gamble, thats all there is to it.