319 votes!!!? Is that all we can muster. How many of us put our lives in the hands of all the other people who are driving on the roads?. I do not wish to get on a high horse about this, BUT, (and there is always a big but), if we all drove without insurance, and we were liable for any compensation due to anyone who had suffered because WE had made the mistake, would we all drive more responsibly? Insurance is only a bet, when all is said and done. The insurers hope that people pay into the scheme more money than the insurers have to pay out. I think that if there was a personal comeback, drivers would be more considerate. We all drive a method of personal transport, be safe. It is a bit of metal that can be crushed. ENCAP ratings only tell you how safe you will be in a vehicle up to a certain limit of stress.
As I have said many times to people who drive cars..."when you are driving, best watch out for the car in front of the one behind"