Haha...Reminds me of my situation....I love tapped someone slightly last October at about 5 km/h...No damage, the guy was fine...Next thing I know he's claiming injury and all that bullcrap, and my insurance rating went down from 6 to 5.
The funny thing was, my premiums went DOWN by about $10 per month. Not sure how that worked, but I'm not complaining!
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