Yesterday I nearly got rear-ended on my way home from work.
Those two events may have been connected.
I might have been driving down the road while pointing my camera out the window so I could get a good picture and I might have failed to see that a truck had come up over the hill behind me. And I might have stopped in the middle of the road right in front of them.
And yes, it is just possible that they think I am the stupidest driver in Montana.
But I got a picture of a pronghorn antelope. So there.
Your insurance company should know about this.
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