OMG Some people are so horrible and dishonest! My only ever accident was when the lady in front of me decided to slam her brakes on but it was wet and i had the XR3i at the time .....not famous for their great brakes....and went into the back of her very gently. All you could see was two fog light circles but i gave her all my details and we agreed to settle out of insurance (my premium was high enough) The bitch took her Toyota Corolla to a fookin Lexus garage and had a new bloody bumper put on!!! It only needed a respray as there were no cracks in it at all. That's what you get for being honest! A bill for nearly £400.