iam a hard working family man from nj, and what i see is that everybody wants something for nothing, and not only that, these low lifes are looking for a quick pay and most insurance companies and businesses do just that, pay for it to go away. Most of these people that try and get a quick pay are mostly people that dont hold down good jobs and can afford to be out of work because they are not the ones taking care of the household, because if they were, they would be going to work after an accident and not playing hurt to collect a 1000 or 5000 dollar payday that would take them 3 years to get, and doing the numbers thats less then poverty, so they play hurt for a months pay. These people fell like a minor fender bender is their way out of financial debt. What i feel like these company should start doing is counter sue and make these people pay for what they are doing and making them work for all the headaches they are causing other people