Here endeth the lesson though, because I don't want to be accused of preaching to those who don't want to hear or aren't interested.
Mate, this issue is important. It can mean the difference between life and death, between a cast on the leg for 6 weeks or a wheelchair forever, or the difference between getting the vehicle repaired under your insurance, or having to go bankrupt because not only did your insurance NOT cover you, but the other guys took you to the cleaners for their vehicle, and lose of income, and stress, and anything else they can gouge out of you.
"Doing it right" avoids the ugly side that none of us WANT to look at and some refuse to admit. If we can bring it to everyone's attention - and I'm not specifically talking about Aido here, I'm talking about anyone that is reading this at all - then maybe they'll think twice, maybe they'll change things a bit, and maybe they'll save themselves a bunch of dough and heartache.
Preach away, mate. I'm listening. And since I know where you're coming from, I know that your intentions are better than good.