I know it's tempting to blame someone else when things go bad, but we have to take responsibility for the safe operation of our vehicles. That's being a grown up. That's being a man.
Let me tell you something similar from the other side of the road bud.
About 4 months ago, I was offered a load of free scrap lumber from a deck my buddy tore off of his house that I could use for shelving in the shop, etc....only catch was, I had to load it and take it away. Cool.
I didn't have a trailer at the time and borrowed one from a buddy. Before doing so, I called my insurance company and double checked with them to make sure I was legal to tow HIS trailer. They told me that the liability and comprehensive coverage from my truck extended to the trailer as long as it was mechanically sound and legal for use...which it was.
I loaded all of the wood in the trailer and onto the truck and started on my way home. It was about 9:15 PM. Driving down the road at about 40 mph I suddenly felt the truck jerk and looked behind me in the passenger side mirror to see a white tahoe slamming into the passenger side of the trailer. Time to hold on for the ride of my life. As I worked to get the mess off the road and get the fishtailing trailer under control, it jackknifed into the drivers side of the truck, then caught traction, whipped around the back of the truck and slammed into the passenger side of the truck. Both bedsides ****ed to tears. Then the frame of the trailer snapped and away it went behind me with the hitch, chains and electric still hooked up. Steel broke right in half from all the stress. I finally get out of the way and the trailer comes to a halt in the middle of the road. Then I see the white tahoe fly past me and drives away before I can get a plate #. I call 911 and tell them to send out cops to control the traffic and a wrecker to help clean up the mess. I hang up and look at the trailer about 100 yards away in the road, only to next witness true horror. A guy in a chevy 3/4 ton mid 90's POS truck with NO LIGHTS ON slams into the trailer. Hard. Wood flys everywhere. his truck is totalled and the trailer is annihalated. Then another car drives over the debris pile. Then another. I call 911 back and tell them to send fire and EMS. I am an EMT-Basic and run up to the dudes truck and he has his leg busted up bad. Bones sticking out. I work to stabilize him as best I can. Fire/EMS comes and takes him away.
Couple days later, I find out the police didn't blame me for the accident. The insurance company on the other hand.....thats a nightmare. They wouldnt cover the tow bill, the cost of a new trailer, and were blaming me for the accident. They also informed me that the information that they had on me, as far as my limmits on my policy go, was wrong and I actually had far LESS c coverage than I had documentation of, due to an error on their employees part.
They also claimed I made up the entire story about the Tahoe and told me that the towing accident was my fault.
The police put a call out to a bunch of local body shops on my behalf over the next few weeks and told them to look out for a white 92-99 Tahoe on 22" + sized rms with major frontend damage.
About a week later, a detective called me and told me they had a Tahoe come into a shop to get a quote for major frontend damage, and while there, the shop tech took the plate #, called the cops and before the cops could get there, the "crooks" caught wind of it and hit the road.
Yet my insurance fails to believe this and wants to place all the blame on me so they can jack my rate up and get more $$ out of me.
I feel like shit because this guys got a busted leg, a few other people are dealing with horrible car problems now, and I am being blamed for it. Believe me, it sucks.
Accepting that this all sucks and it's all a part of life really sucks.....but I still gotta be responsible and be a man about it.
And you do too.
Hope this helped to show that things can get MUCH worse.