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Actually using the car insurance here is one thing that is not so complicated. The times we had to use it, it was quite simple. Get a copy of the police report, let the insurance company see the damage and give them a copy of the report, go to the repair facility or dealership, tell them to deal with your insurance company. Go pay your deductible when the work is done and drive away.

 

Not so here, and that amazed me. Here you insurance rates go down every year because the value of your car goes down. You could get into a dozen accidents and your premiums will still go down, if the insurance company still wants your business.

Here, they go after the person at fault and collect, if possible from them, or else they take them to court and get a judgment against them and any property they own.

Strange but true.