I know you are sorry you hit my car last night. I want you to know I am not mad at you for hitting my car. I know you didn't intend to hit my car. Shit happens. It happened last night. It was after all, an accident.

After we pulled away from the intersection where it happened and parked to exchange information, you immediately told me you didn't have any insurance. You may remember I didn't react to this news. For the next hour while we waited for the police to come, I watched look worried and pace around and listened to you mumble and bemoan about not having insurance and what a bad day this was turning out to be. You'll notice that I remained calm, said little and wasn't upset during our time together. There is a reason for that. I'm going to share that reason with you now.

I have insurance.

You see, I know my car will be fixed regardless whether you can pay for the damage or not, hence my cool demeanor. When you kept pressing me about if you could just "make payments" to me, I calmly told you I didn't want to discuss it. That's the kind of confidence insurance gives you. It gives you the peace of mind that in difficult situations like ours, you will be taken care of. Some companies probably use that in their
ad campaigns.

So while I can empathize with you over your situation, please don't expect any sympathy or gestures of good will on my part. You are the one who decided to take a risk and get in your unregistered and uninsured vehicle and drive somewhere. Now you have to deal with the consequences of that decision. Some of those consequences will be dealing with my insurance company. (You can talk to them about making payments.)

Sincerely,

Brian

PS - I don't mean to judge, but I think you are a loser.