I'm an Appraiser not an agent so I'm not current on individual state laws and options. What I do know is that good people with good intentions make mistakes every day. I see the aftermath because that's how I make a living! Hindsight can be a real Bi!ch when it smacks you upside your head <img src="/forums/images/graemlins/scared.gif" alt="" />

I looked at a vehicle just this week that was a one car accident. 5 adults, all sober and according to the only speaking passenger/witness they were driving along talking when the driver lightly veered to the shoulder then made an abrupt correction which caused the veh to swerve off road and strike a tree! Drivers dead, RF passenger paralized waist down with severe head trauma, LR passenger dead, middle rear passenger cut up bad with severe head trauma and RR passenger walked away!

I had to edit this, as I was looking at my file notes I mixed facts of the accident with speculation from the drivers family. It's correct per detectives notes now.

Be smart, sit down with your agent and have him or her educate you on options that you can afford. Or, live life on the edge like Dave <img src="/forums/images/graemlins/kewl.gif" alt="" />