Bojan,

Despite how harsh everyone is being to you they are giving you advice. Say for example you are driving down the road just like everyday and a bashed up commodore hits you and destroys your car. The other driver is pissed, so there is no insurance to fix your car. With both of you uninsured your in for the long haul, and yes you can take him to court but if he has no money you can't get blood out of a stone.
So where would that leave you?

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Old Dog