[panthermom]

Are you nuts????? Yes, it is a horror! Especially if there is an ACCIDENT and someone is hurt!!!!

[Jolla]

No, I am not nuts, I am quite aware, probably more so than you, I am in the insurance business and deal with these things on a regular basis and have done so for 30 years, and I am well aware from personal experience the trauma that is created by accidents that do not have coverage in force.