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This was about this time, last year. Totaled his brand new (to him) 2 year old RAM... I don't think he'd owned it more than 6 months. Random Sunday afternoon, I get a text from him... It's him laying...

He has assets to cover it. He's not wealthy, but he doesn't need a job, either. If he doesn't get it taken care of, they'll come after him.

Sure, but this is Florida... Our state minimum coverage is 10K/person 20K/accident. And that's what many people cover. That's what the 18 year old who t-boned my coworker had.

The other $400K, he...

Good example.

Another personal anecdote: Coworker got T-Boned hard enough to roll his Dodge Ram, broke a lot of stuff, tore more stuff... Ambulance came... You think they asked him which hospital...