Accidents happen in a blink of an eye that is why I am really scared to try driving our SUV outside our subdivision. The first time I tried driving a car Ten years ago, I almost hit a boy crossing the street. He was playing with other kids and was hiding at a parked truck. He suddenly crossed the road and I nearly hit him. Whew! What a scare experience. I was traumatized then and vowed never to try driving. The truth is even if it’s the fault of the victim, the driver will always be the one to blame. Good if the vehicle has a comprehensive insurance that includes third party liability claiming an insurance would be as easy as the accident claim Hartlepool .