after working as an insider - it doesn't matter. More often than you know, plaintiff's attorneys will still file nuisance suits & nothing will ever go to court, rather they get paid off to go away. That's why your rates continue to go up. You can be illegal, no driver's license, with a fictional non-existent passenger, & still get a little something something when it comes down to your word versus theirs. It's not even worth it to the insurance company to hire an investigator, because paying everybody off is less expensive when you can just more easily raise everybody's rates. It's a lobby funded by >$1.2 trillion. Welcome to the Real World.
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