Just to clarify my position re insurance settlement: I do not see an accident as an opportunity to make money, but the costs are real here and it's only fair that someone who caused them through some sort of recklessness should cover those costs. Which is why we have liability insurance. At least, that's how it works in this country. In Norway the costs are all pretty much shared by all of us through our taxes and we have virtually no liability suits and fairly inexpensive insurance.