So I have this big insurance company thing.. apparently I'm 40% at fault for the accident that happened with a bicyclist 2 years ago.. even though i was driving straight! Stupid.. so 21st insurance won't insure me. Mommy is trying to switch to that company and she argued on the phone with both insurance companies a lot.. so dunno whats gonna happen with that. I wrote on a forum for free legal advice. We'll see what happens.