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He is correct on the insurance stuff for Texas it is really that bad. That is why I have 250 as my deductible also. I was hit in a hit and run drunk driving wreck and took a picture of the guy who hit me and everything... Well the next morning the guy reported his car was stolen and the police said that there was nothing they could do since he was a Mexican national and illegal immigrant to the state of Texas. I paid the 250 and 45 bucks for a box of shells and took a couple of shots at the other vehicles the guy owned. Kinda nice this 'no snitching' stuff dumbas hoodrats have.
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