Insurance is expensive due to situations like these. Imagine for a moment the amount of coverage needed fix the damage caused in what literally took only seconds to create! Man we hope everyone is ok, but this is a situation that has a huge impact causing auto insurance to be high in the industry. If you have a good relationship with your agent, contact them and just make sure your policies are up to date! If you do not, feel free to call us at 734-284-7500 or click this link www.lademaninsurance.com/contact we would love to help you!