pekak > we accept that they will take care of things for us.
So, this is what is done “in town”. I presume even those here who are tzadikim gemurim and practice defensive and kosher driving, still heard about other people getting in trouble. So, do people rely on insurance or go to B’D? say, one person’s daas Torah is for insurance path, and another – for B’D – do we get a B’D to resolve this?
Also, in reality, many people often pay off the other side to avoid going thru insurance or sometimes do not have it – are these cases going thru B’D or people simple settle on their own?