Your car insurance policy is 22 pages long, did you read every word no; only lawyers do that. So when you got rear-ended and you needed a tow your insurance company told you to look at page 5 on your policy. Did it say, "Great news you're covered" on page five? No, it said blah blah blah blah blah blah blah.
Glad everyone is ok Blue, it's a shame you aren't a Kardashian, then she could have been the Bastille Day driver
and just got away with a warning ticket.
Then again you REALLY wouldn't want to be a Kardashian, scratch that.