>>514993265
You forgot:
>some drunk illegal Mexican in a Honda Civic and with no insurance t-bones you going 10mph
>unibody frame bent, your 40K "truck" is now a salvage title forever and has lost 95% of its resale value
>insurance offers to pay you 10K to scrap it, because insurance companies are all colluding Jews who can do whatever they want because auto insurance is mandatory in the US
>insurance Jews fuck you over even harder because Mexican had no insurance, so they charge you extra even though you had coverage for it
>nothing happens to drunk illegal Mexican, his '94 Honda Civic is still in better shape than your new "truck"