Yeah, definitely good advice to check with insurance first. Had a similar thing happen on a road trip—thought it was just cosmetic damage, but turned ...

Insurance can definitely feel like a black box sometimes...like, who decides what's risky anyway? I've had friends with spotless records suddenly see ...

Man, that's rough... glad you're okay though. Did you happen to have uninsured motorist coverage on your policy? I had a similar thing happen a couple...