lol yea sometimes you get lucky with insurance. heres my stupid story:
creeping up to red lights=bad.
so im driving in the #2 lane with a mercedes wagon in front of me, was probably the same year model (2003) and the light turns yellow, so we both slow down (already going about 25 mph, very slow traffic that day) as i have my foot on the brake, slowing down so as not to run into the 'cedes, i saw this long blonde haired chick with the hugest tits i had ever seen at this bar across the street. before you knew it, i lost my attention and ran into the mercedes going about 5mph. damage cost: 900 dollars for a completely new rear bumper. i guess they dont use bondo on high class cars? but luckily, my car suffered whats called a 'surface scratch' on the clear coat which is buffed out with a micro fiber cloth. and my insurance company didnt even raise my prices (did i mention i have 3 speeding tickets? ) my honda actually took less damage than a mercedes. rofl!!! pwnt.
but no, dont ever fuck around with wet weather. it will own you and kill you and put you in a body bag. slow that shit down!!! my buddy in the marines recently hydroplaned his own car under normal conditions. he wasnt speeding, going straight, a cop was even behind him. and he made no error but the water on the freeway owned him. so watch yourselves guys....