Dudes! You're looking the wrong way!
I am really happy when some idiot loses control of his car in gives me a chance to go to my insurance company and make they give me a brand new car (remodeling mine, of course). So I never have to pay for anything.
This happened to me several times in the past, at first I was really mad at the asshole who scratched/broke down my car. Then the insurance company repaired the car really fast, and I was the happiest guy ever
I'm actually thinking of starting a bussiness: "If your car is damaged and you don't want to pay for its repair, we'll crash it and you'll collect the insurance"