HERE IS A WEE WISDOM QUOTE, IF U HAVE THE MISFORTUNE OFF HAVING A WEE ACCIDENT WITH SOME TWAT WHO THINKS IT OK 2 HAVE NO INSURANCE, DON'T BE FOBBED OFF BY THE POLICE OR YOUR INSURANCE BROKER, IN NORTHERN IRELAND WE HAVE A SYSTEM OFF M.I.B, THIS IS THE MOTOR INSURANCE BUREAU, WHICH HAS VAST AMMOUNTS OFF CASH TO PAY FOR INCIDENTS LIKE THE ONE TODDY HAS MENTIONED, THEY DON'T LIKE 2 MANY FOLK KNOWING THIS, BUT IT'S MONEY JUST SITTING THERE EARNING BIG INSURANCE COMPANYS HUGE PROFITS, USE IT !!