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Message: <blockquote data-quote="klein" data-source="post: 617652" data-attributes="member: 23950">I think I had 2 personal accidents with non insured or no licence or whatever it may have been. I was totally at fault, and yet , they kept driving as if nothing happened. Both of them went to the freeway, at that point I stopped the following.Here, if you drive with no insurance or licence, or no valid plate, you're automatically at fault (since they are not legally on the road, and should have been on it on the first place). Anyways, yes, I agree with you there, too.They (UPS) should give you the $1000 or somewhat dollars and let you chose your own insurer and plan (deductables, etc).But, mind you. UPS is part of a huge group plan, doubt it, if you could get it, elsewhere on your own, cheaper.</blockquote>