You're in high school, and you're driving with your friends in Chicago in your Mom's new gold Chevrolet Cavalier, and the album Toxicity by System of a Down is blasting on the car's stereo. You are at an intersection, and there is a stop sign. To your left and right in front of you on the street you are about to drive across there are cars parked close to the corner, obscuring your view of traffic coming from either direction. You pull into the intersection, only to see a black SUV driving toward you at the last second, which then crashes into the front right of your car, sending you spinning into another car. You swear profusely, then ask if everyone is OK, and they all say they are, even though a girl with you wasn't wearing a seat belt. A man gets out of the SUV and asks if you have insurance, and you inform him that you do.