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And the premiums are excessive because tw*ts don't look where they're going and want some "free money" from it.

This... Somehow there is this "free money" and there aren't any consequences. Every single penny paid and every penny wasted on lawyers is removed from front line services. If the payee has insurance, then you can be sure that premiums creep up a little for everyone next year, especially for...

Contributory Negligence... Idiots falling into holes should just look where they are going.