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Chill out, I have good insurance.
What do you mean?
Well, I have collision insurance, so if I get in an accident, no matter who's fault it is, i'm covered.
Well that's good with your bad driving...
Hey! I also have comprehensive insurance, so if I hit an animal or there's hail or anything, its also covered.
So whats your deductible?
Mine is $500, so that's how much I need to pay before my insurance covers the rest.
Is that all?
The last thing is liability. That pays for the other drivers expenses, but not my own.
Your still a bad driver, insurance doesn't fix your driving skills.