How many people have fully comp insurance?
I do, and rate it as utterly essential here. In part because the roads aren't too good, in part because the drivers are utter maniacs and it is very easy to have an accident which is not your fault at all but which you have to pay for (a friend was pushed off the road by a nutter who was overtaking where there wasn't room, she crashed, he of course didn't stop, she had to pay the repair bill), and in part because if I do have an accident which is not my fault but the other guy claims is (happened once when a twat drove into the back of me and then claimed it was my fault because I'd stopped too quickly, I pointed out that I was stopped at a red light and had been for a couple of minutes), I can just get my insurance company to pay for the repairs and then either go after his insurance company, if he has insurance, or go after him in person (if he has no insurance or his insurance is invalid due to him having no driving licence or being drunk or being disqualified or the car not having a valid technical inspection certificate).