So , the basic insurance cost will cover repair of your vehicle if you are in a notatfault accident . I am ICBC . You have only bought basic coverage from me . Somebody hits you . It ' s their fault . But they argue that it ' s your fault . Since you don ' t have collision coverage with me , I only have to pay to fix your car if you can prove that it was the other driver ' s fault . I am not going to lift a finger to help you out . It ' s most beneficial for me this way . As long as you can ' t prove it was the other driver ' s fault , I don ' t have to pay for your repairs . Yay for me ! Hope you have a dash cam . <| sep |> Twelve bouts posted for Day 12 . <| sep |> Hey that actually sounds like a good bit of fun , building a team from scratch . Might just try that , thx .