Liberty Mutual customer asks: "How DARE car insurance companies hold me responsible?"

I'll give this to Liberty Mutual:  The woman in this ad is probably a very good representative of people who are at fault in auto accidents.  I mean, just listen to what she says here:

"You barely clip a passing car- minor accident, no big deal!"  Well, that's exactly what I would expect you to say.  It's "no big deal" because after all, it was your fault.  And of course the other driver- the one whose car you HIT- is going to be uber-unreasonable by actually stopping and demanding that you exchange insurance information, can you believe it?

"Minor accident, right? Wrong! Your Insurance Company is going to raise your rate because the other car got a scratch so small you could fix it with a pen!"  Again, this is exactly what I'd expect the driver AT FAULT to say- "it was NOTHING!  The other car was BARELY damaged- just a SCRATCH you could fix with a PEN!"  I'm sure this woman would have exactly the same attitude if it was her car that had been damaged, and would have been more than willing to let the other driver attempt to fix the "scratch" with a pen.  I'm absolutely positive that would have been the case.

"But NO!  Your insurance company is going to raise your rates!"  Sorry to keep interrupting you, stupid clueless bent-out-of-shape-because-you-are-being-held-responsible woman, but....if the other car only had a "scratch," why didn't you just offer to fix it out of your own pocket?  Funny thing about car insurance- the rates don't go up if you don't use it.  If your negligence resulted in a minor accident, you should have just paid for it yourself.  That you used your car insurance suggests to me that just maybe that "little scratch" was a bit bigger than you are telling us it was.

Based on the comments, I'm not the only person who would like to tell this woman exactly what she can do with that pen (and it has nothing to do with switching car insurance companies.)