It wasn't my fault, I stopped, but the uninsured Swedish man in the Buick behind me didn't. Hit me at 35 and pushed me into a Suburban. I've got USAA. Apparently I'm now a 'high risk' driver, although my thinking is that now that I've had my accident, I'm much less likely to have another. I think the fact that I damaged the Suburban in front of me and the car in front of it was bad for my record. Fortunately/Unfortunately I got hurt so USAA gave me some money for that. It ended up working out. Go figure.