It's highly unfair that another driver can cost you money and inconvenience, and often they carry on without caring while you're stuck taking physio while taking precious time to shop for a new car or dealing with car repairs. Our only recourse is "I hope their insurance premium goes up".

We need to be tougher on bad drivers. I say, a mandatory 7-day driving suspension for anyone at-fault of a collision. At least that would assure it's an inconvenient to them as it is to you.