Absolutely.....and it ain't Murphy's Law, It's Darwin.....natural selection.
I once bounced off a guardrail at about 70...OUCHEE!...When I called the insurance company, the FIRST question they asked was "Did you damage the guardrail?"!! Yeah, "We care! Like a good neighbor" (who hates your guts).
thats because they have to cover the state property you may have damaged; that shit costs a lot.
i was asked if i broke or damaged and signs when i got rearended
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