“I’m already a skittish driver; that didn’t help. Uh, what I mean is that I hope everyone’s okay; I’m glad there wasn’t a fire; and I hope that both of you are all paid up on your auto insurance. I saw that one coming. Both of you were driving too fast, but turning car, you just turned out into oncoming traffic without stopping at all. I continue to hear that crunching sound hours after the event….”