Last year I had to file an auto insurance claim for my van. The conversation went something like this:
HI... Yes, I do need to file a claim... Some flying nitwit hit the back of my van.
I see... Can you give me some more details?
Yes... It was dark... This nitwit apparently wanted to use my driveway... Hit the van dead in the tail gate... Backed up right into it... Grrrrr... Now, one minor detail: I have to admit that I was the "flying nitwit". <LOL>