Majority don't even know the comment you're responding to.....or u don't understand humorous sarcasm. Easy........everybody just easy! There is no made for all solution!
It's that lack of accountability and that failed desire to forge a career in comedy that a few seem to continually seek on this forum. Let them comment and just disregard their flailings.
Insurance on three levels.....cheapest 2600b fixes only the other vehicle....second class fixes both vehicles if necessary...6000b and first class covers almost anything 8-