Excellent question. It was an auto accident and would have been covered by insurance. Even the uninsured get covered in auto accidents because of a pool for uninsured motorists.
Your question indicates there is even more to the smell this story created.
The issue of coverage from auto insurance has been discussed at length in this thread. I have a few posts at #94, 111, 120, 127, and 140 showing why auto insurance likely wasn’t much of a factor in this case.
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