I agree 100% I am in Montgomry, AL and a lady backed into the side of my SUV and did over $1, 000 in damages at first I did not worry as she had insurance and it was in town with Young America. They took photo's and said they would pay, a Month later I called and was told they found I was 20% at fault because I did not blow my horn and tell her she was about to hit me. "I did not see her" So in AL if both cars are at fault nobody pays. So they will not pay anything on my SUV. What is the point of insurance if they do not pay, there should be a law