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If someone with money hits you, your vehicle, or even your life, has a value that is predetermined by the insurance companies by whatever policy you get.

The middle and upper class can afford comprehensive insurance so if they are found at fault for hitting you then they still get a payout.

If you hit them, they get a payout.

If you're poor and can only afford liability insurance, your best hope is that someone is found to be at fault for hitting you, and you get a payout. If you hit someone else, you get jack shit, and they get a payout.

The fact is, they are unlikely to be found at fault, since the rich and powerful have long since paid off the cops who write the incident reports. So if they're at fault, then the record says nobody is at fault. But if they can spin it so that you're at fault, then you're at fault.

Honestly, it's the main reason I own a two channel dashcam. I don't want to get fucked by some rich asshole, who lied to the police to make a collision seem like I'm at fault. If I'm genuinely at fault, then fuck me I guess. I can accept that I fucked up.

I try to look at this shit from all angles, and all I ever see is that the ones that always win, is the insurance companies. 10 out of 10 times, and the rich bastards with the best insurance policies come in second place. The rest of us are a distant third, we stand to lose the most and gain the least, even if things are in our favor.