Hi Paul, I'd welcome you but I might be stepping out of line...I'm a newbie (to the forum) myself.

The sad reality is is we have to drive while anticipating what the worst move an idiot driver can make, and there are plenty of them out there.

We had a motor cyclist killed here last summer. Plowed into the back of a truck...From how and where it happened my gut feeling is that the truck backed out of his drive into the path of the crotch rocket.

Heres something to think about... A friend once told me never worry about anything money can fix...If money can fix it, it's really not the important stuff... It's good to learn you are okay.

Cheers!