I was executing a routine right turn when suddenly, cross traffic prompted me to halt. In that moment of stillness, an unexpected rear-end collision shattered my calm. The driver behind me, seemingly oblivious to the need for caution, continued forward, effectively “customizing” my vehicle with an unwelcome impact..

In the bustling mid-south traffic, my Nissan electric vehicle finally fell victim to an unfortunate collision after more than two years of careful navigation. The incident was compounded by the at-fault driver’s lack of insurance, forcing my company to cover the bumper replacement. As a result, I’m left bearing the $300 deductible, a frustrating consequence of another driver’s negligence. People who drive without insurance should really be more careful, don’t you think. It could have been far worse.

My decades of driving experience underscore the arguments of no fault auto insurance. Throughout 45 years behind the wheel, I’ve been involved in three separate incidents, all occurring while my vehicle was stationary. In each case, I was struck by uninsured or unlicensed drivers, including one instance involving an underage driver in a vehicle who did not own the car he hit my car with. Remarkably, my insurance policy covered the damages in every situation. Kind of similar to no fault insurance, right?

Navigating mid south roads feels like running a gauntlet, with drivers who seem to treat traffic rules as mere suggestions. Since purchasing my car, I’ve experienced a constant sense of vulnerability—reckless lane changes, erratic weaving through congested streets, and unpredictable braking have become my daily travels even as short as they are.

Thankfully, the airbag remained inactive, potentially averting a more catastrophic outcome.