Well, unfortunately we know that not everyone is as responsible as they’re required to be or should be. They don’t always have insurance and they don’t always drive safely, and people are injured as a result. You have to take care of yourself on the front end before something happens. You need to have personal injury protection insurance, which will pay your medical bills if you’re injured while walking, riding a bike, running, or as a passenger in someone else’s car, and also under insured motorist, UIM. That protects you if the other person has no insurance. Buy those insurance coverages. It doesn’t raise your premium and it will protect you if this happens.