“We can exchange information, or, if you prefer, I can punch you in the face and forget the whole thing ever happened.”
Cartoon used with permission. See this cartoon and more great Snapshots cartoons at Jasonlove.com
In the future, you may be able to entirely avoid accidents with a self-driving car and hopefully insurance rates will be much lower. In the meantime, you can be much safer with features such as the Subaru Eyesight or the Toyota Safety Sense.