7 or 8 years ago I was involved in a small accident in the parking lot behind Orient beach and I didn’t pay for liability insurance and it was settled. I and the beer truck driver both thought it was the others fault. It was resolved with no cost to me and my understanding no cost to the truck driver. While the damage was not significant busted mirror and some scratches and scrapes on the trucks bumper. My rental car company which closed after the hurricane, Francine’s said the insurance company’s will handle it.