Yeah but if they hit you from behind and there is another car infront of you and you hit them. The guy that hit you has to pay you and you have to pay the person that u got pushed into. I still think that is complete bullshit but thats how it is. I think the driver that caused it in the first place should pay for the whole accident because it is a result of them. Which comes to the point, they hit you, their insurance pays for you but then your insurance (since you driving an illegal car) can refuse to pay out for someone elses car, then your stuck in debt. So sometimes being careful is just not enough...