Matthew's Journal

And then after I got back some fuckwit went down the road at 3am snapping everyone's wing mirrors off and I went feral.

Bastards. Yeah, *that*'s the problem. You have at least some control on the road. But there's nothing you can do about this. In theory, it's the vandal's fault, you ought to be able to recoup the money from him, but that's impossible. So the thing about the expected cost applies in theory, but it certainly feels like the insurance is necessary.