I haven't had to think about car insurance in a long time. I probably thought more about it 30 years ago when I would occasionally do without, trying to balance a heavy student loan with a light checkbook. With age and a little security comes the desire to protect it, and now I have a lot of it.
Since car insurance is mandatory most everywhere and I have been lucky enough to stay out of trouble, it became little more than another check I write every month — the kind of things grown-ups do. Until I got hit by a pickup truck that happened to be looking the other way when exiting a driveway.
I am not the kind of person who gets angry about simple mistakes.
Everybody can make them; it's part of life's rich pageantry. Even though the driver didn't have a driver's license, he did have insurance, and things went pretty smoothly. For about two weeks.